Oh, I like that, thanks Susan!

And no, not all the money is given by the govt as low interest loans. Some of it is grant money, some of it is free services provided, or free rent, or free food, water, clothing, sundries, etc.

In the big picture of things, it makes sense that the local, state, and federal governments would invest some funding towards community support to mitigate the social chaos and subsequent costs of restraining/controlling the inevitable anarchist fallout. By keeping order through providing for people's basics during and after a major disaster, they headoff a much more expensive outcome. It seems, though that our leaders go too far when there are other mechanisms in place that aren't being utilized fully.
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The ultimate result of shielding men from the effects of folly is to fill the world with fools.
-- Herbert Spencer, English Philosopher (1820-1903)