It's also why those people are not just wrong but have it completely backwards. If you give people money that can only be spent on housing or healthcare then th

It's also why those people are not just wrong but have it completely backwards. If you give people money that can only be spent on housing or healthcare then they can only use it to bid up the price of housing or healthcare. It does the exact opposite of the thing you want. And to the extent that it doesn't, it's because they were going to buy those things anyway (since they're necessities) in which case it's equivalent to cash because they can now spend the money they otherwise would have used to buy those things. At which point all you're doing is wasting tax dollars on administrative overhead and reducing utility when you get the numbers wrong and what a given person actually needs is more money for food and less for housing or vice versa.