Food stamps are a fantastic way of infantilizing grown adults.
None of those services are anything like the government managing a bank account for you. Anyone can decide they don't want those employee perks, someone on food stamps does not have much of a choice.
I suspect that unless you're working as a cashier, "countless people" is an exaggeration, and even if you are it's likely confirmation bias.
Sure, but people do the same thing with their paychecks, so I don't see an issue.