One time a year payments (tax returns) have a different spending pattern than many times a year payments (welfare programs, and pension programs). The second pa

One time a year payments (tax returns) have a different spending pattern than many times a year payments (welfare programs, and pension programs). The second pattern is the one that sustains people at the bottom edge of wealth. The former is what causes extra consumption. Additionally, poor people live in areas with literally no banks. Both of those alone justify a monthly payment method.