[rconti]

Again, all of your wild assumptions are covered in the article. If they're only getting one payout, and they're already barely scraping by, they're hardly about to stop working. It helps them get a leg up.

As the article mentioned, some folks would prefer to receive the money in a few payments so that they're less likely to have family members come begging, but some prefer it all at once so they can allocate it to a big project.