There are also working families who earn minimum wage and don't have benefits who could benefit from some help during their time of need.  
I work in legal services, and it is true that people living in poverty have many challenges like illiteracy(general, computer and financial), poor relationships, criminal records, drug abuse, lack of a stable work record, etc. At the same time, most are doing little to correct the situation. Should you really be on welfare for 25 years while waiting for your pension. This us what some of my clients tell me they are doing.