[mozboz]

> is directly in the hands of the people who have the most interest in using it well

That has no relation to whether or not they know how to use it well.

Improving someone's well being involves improving their well being through hands-on, interactive problem solving.

Throwing a fist full of dollar bills at someone does not directly improve their well being.

If you have, by some measure, 'low well being', there is a reason for that that is likely to be outside your direct control, otherwise you would change it. If it is inside your control, you need help to discover how - application of cash is useless without direction. If it is outside your control the help needs to be applied at a higher level, community, town, borough.. country.

It is demonstrably not the case that cash solves problems unless it is applied in meaningful, sustainable ways, which are not known or understood by many people in difficult situations, unless you are talking about people who are about to starve to death and who will buy food.