Frankly, some of the folks on the receiving end are bad with finances, so on the one hand, you're encouraging bad habits

This statement has no basis in truth. COVID spending by the quintiles under discussion went straight into credit card debt. Anecdata? I mixed bullshit reality TV for twelve years. Every contestant - every.single.contestant - who discussed what they would do with the prize money if they won (and that was, say it with me, every.single.contestant), started with "pay off my debts." Down to the stipends, dude. People being locked in a sound stage or a hotel room or a tent or WTFever by unscrupulous reality television producers and making $75 a day for the privilege? ALL OF THEM planned to pay down debt with the money. I'd say my n is between 300 and 500.

Besides which, it's not like we're giving them a check and saying "hey pay down your debt with this." They never see the money. What they see is less pressure on their money which, to really drive the point home, is their fucking money. If they want to spend their new disposable income on fucking NFTs get off their dick about it.

But ultimately, the real problem is the cost of secondary education,

hahahaha Biden is such a pussy with a 1 vote majority in the Senate, an 11-vote majority in the House and a Supreme Court slightly to the left of Goebbels he didn't utterly and totally reform higher education

and instead of trying to solve that problem, we're in the middle of dismantling the public education system

you're better than this