People accept help when you give it. This why quite embarrassingly one third of GoFundMe campaigns are to fund medical expenses that wouldn't even have happened with a decent healthcare system. Don't come to me with this argument when literally millions of people are resorting to begging on GoFundMe.
If a child goes home with a coat and comes back without it, they probably have bills and a financial situation at home so dire that they sold the coat.
How is a family of four making $25k/yr supposed to deal with a $120k medical bill when they lack health insurance because this gig economy and the 3 shift jobs they work don't provide it?
They however have strong incentives to invest all available resources into their own survival, prolong their own life and/or earn more money.
Depending on how the managment is in turn incentivised they will typically also prefer short term success over decisions that would make more sense long term — e.g. short term a search engine saves money by not spending a ton of money on quality when they are in a monopolist position, while in the long term it fould bite them.