Upvoted, but I have a slight difference as to the best way to help the underprivileged: it’s better to just give money without any strings or designated purpose

Upvoted, but I have a slight difference as to the best way to help the underprivileged: it’s better to just give money without any strings or designated purposes. This preserves the full competition and downward cost pressure since people can always use some or all of the money elsewhere. If you provide funding (loans or cash) that is earmarked, then it serves as a price floor and upward cost pressure on that thing. Let’s just give everybody $20k per year between ages 18-22, with no strings.