What do you do...?
The same thing that worked very, very well for hundreds of years: keep the socialist, communist, totalitarian government (whatever you wanna call big controlling government) out of our back pockets. Then, people will be able to afford to save their money and use it as they see fit. Those who slip and fall through the cracks or are just too stupid to live within their means will be picked up by charity. That's the Christian Way.
Practically all socialist programs are corrupt. I know, I know, they promise you they're going to use the money they are stealing for only the purpose intended and everything will be A-Okay and you'll be much more safe and secure if you just agree to give up a little more of your income, freedom, rights and so forth. But what happens, every time, always, and throughout history is that those socialist bureaucrats will decide that they deserve a pay raise, oh, hey, and while we're at it they need a better office and an expense account. After all, they are working so hard and have so much responsibility, don't they deserve a much higher income than the average citizen they oversee?
The best system, the system our American Forefathers set up, is the system that has been the shining light of prosperity and democracy around the world for hundreds of years until recently (we even abolished slavery in the socialist southern states). In that system, true power is spread out among the people, and the people only give just enough power to elected officials to do the bare minimum to accomplish civil works and projects deemed to be in the best interests of the majority of the people.
In the system which you are apparently supporting, socialism, all of the power is at the top and placed in the hands of a few bureaucrats. Those few decide who gets the benefits and they hand out money and power to those who support them. This system of power always turns evil: True power corrupts all, and it corrupts completely and truly.
It's appalling to me that our education system has failed so badly that people from this country are actually openly talking like socialism and its close partner communism and the like are a good idea. Alas, records indicate that the Chinese Communist Party (CCP) has spent billions of dollars infiltrating our school system in order to foster its ideology. They have erased the part of your education that should have shown you WHY this country was founded and the PRINCIPLES of democracy upon which it was so incredibly successful for so long.