Agree. There are some bad breaks. I think of layoffs, for instance. But, find a way to rise above it.
Now, there are some circumstances, such as a battle with cancer wiping out savings even with insurance etc.....that in these cases, it truly is just a sucky break. In those times, I think people should help them out by giving them some money to assist in covering medical bills etc.
But, that is just part of personal charity and caring for others, not govt. handouts.
Individuals and churches should help people who are experiencing hardship, when the hardship is not caused by obvious foolishness or bad character.