I think you fundamentally misunderstood my point.

The examples I gave were situations where people did something against their own interests because the current system of welfare provision is broken. Maybe that is inevitable; maybe the system we have is better than any alternative.

But ask yourself if a BIG were implemented:

Would my friend still live with his elderly parents? Would my colleague's secretary have quit? Would my acquaintance have been forced into a degrading simulation of a job search he would never succeed at?