[nybble41]

> but you are still entitled to what you receive

That's the difference. With an insurance contract you are entitled to a payout when the conditions are met because the insurance company agreed to that as part of the contract. The only things you are entitled to are yourself, whatever you can homestead with your labor from unclaimed land, and what others voluntarily agree to give you. Insurance payments and every other form of voluntary contract fall into this last category.

> A handout is when someone gives you something you are not entitled to of their own free will. They can stop giving it to you at any time.

"Social safety nets" are not something you are entitled to. The government grants or denies them of their own free will (albeit using others' money). They can be reduced or revoked at any time, or extra conditions can be imposed for claiming them, and you would have no grounds to sue for compensation over those changes, despite having paid taxes to fund prior payments to others.