This is the real argument for things like UBI and simple tax credits, that often goes unnoticed. Giving poor people money doesn't need to have outstanding effects to be worthwhile, it just needs to be better than the existing mess of overlapping institutional red tape. This goes for healthcare too. Get rid of complex government assistance, and put money in Singapore-style health savings accounts, that people can draw from for insurance payments or simple "cash" expenses. One of the things that are most clearly needed in the healthcare sector is direct consumer discipline, and HSAs provide that.