One thing I've become obsessed with is people trying to solve problems in the wrong domain.
I think these sorts of things are because people try to allocate resources according to the 'moral domain' instead of basic need.
Have read that in the 19th century there was constant attempts to means test welfare based on who was deserving. And it was basically full of fail and you'd spend more on enforcement than just paying out by need. You were paying able bodied people to go around and try and determine if the recipients were deserving.
It's one of the reasons everyone gets social security. You were a happy go lucky spendthrift and are now old and broke, here's your money. You were thrifty, wise and lucky enough you'll never need it, here's your money.
The issue of cliff is real and present for low income people. The loss or reduction of benefits takes a big bite out of marginal increases in income. Also the sudden loss for instance when someone goes back to work isn't great when usually they financially stressed and the new job comes with increased expenses.
On topic personally as a childless when I hear someone bitch about paying for someone else's kids I think yeah who's going to change my bedpan when I'm old, you? I doubt it.