But most working-age people in the top four quintiles of income don't get any forms of welfare spending, which is directed almost entirely to the poor or the el

But most working-age people in the top four quintiles of income don't get any forms of welfare spending, which is directed almost entirely to the poor or the elderly; and overheads are actually a pretty tiny fraction of the social spending in the U.S. (e.g. Social Security has only something like 0.6% administrative overhead). So unless you propose to reduce funding for the poor or elderly, where exactly does this get funded from?