Actually sending money directly to the poor is a very efficient form of government program.
It's the exact contrary of bureaucracy. Bureaucracy is deciding for the poor what they are allowed to do with the money on the wrong assumption that they wouldn't know better than you what to do with it. In fact the less money you have, the more careful you are with it. Obviously. And at the extreme end of the spectrum, if you are rich like Elon Musk, you spend 44 billions on something dumb.