[Spooky23]

EBT was about reducing stigma and resale of food stamps and WIC. Even that was pretty limited — the amount of money skimmed for ATM fees from cash benefits exceeds fraud losses historically.

Same here. Creating some expensive and complex system that fights “fraud” that consists of people taking on lifetime debt is dumb. Make the services share the pain for bad underwriting and the problem goes away instantly.

[imtringued]

Exactly, fraud is the cost of carelessness. I.e. you're paying the fraudsters to leave you alone.