There is No such thing as a Free Benefit

There is no such thing as "free".   Someone pays for it.

There is no such thing as a "government" benefit. Government has no money to pay for it. Government gets all it's money from you.
 
Government investment does not respond to market signals of supply and demand.   They are the result of Political decisions.   Unlimited access to your Capital deadens any sense of risk. 
 
Government, against the people's will and against market wisdom, steals the Capital that you earned, and have a right to invest as you see fit, to fund politically useful programs that they can claim credit for.
 
Government's infusion of your Capital creates an artificial demand for a product, people don't necessarily want or need, in a way that is never tested and refined by the market's intelligence (millions of you).   
 
Problems are dealt with by regulation which breeds automaton-like bureaucrats, poor or no customer service and the need for more regulation to program the automatons in unforeseen situations or consequences.  A program is only as good as its programmers.  Who do you think is better at it, a few bureaucrats or millions of you? 
 
Throughout history, ALL government programs of that sort are failures.
The solution is to remove them.
 
 
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