In fact, I absolutely agree with you on most of that. It’s a disgrace that we live in a society where private individuals and charities have to feed people in need. It’s a disgrace that our society is so geared towards making sure the rich get richer that people can’t feed themselves in the first place.
It’s also inevitable that any system which aims to improve people’s living standards will be abused.
The differences between our positions, I think, are these:
a) I believe in looking at the underlying causes of poverty, including the underlying causes of a person making what you call “bad decisions”. Lack of education, lack of prior experience of healthy financial behaviour, childhood deprivation, poor mental health, societal pressure to spend... These all factor in to what you call bad decisions. Those decisions don’t happen in a vacuum, and people who grew up in poverty or with other kinds of deprivation are less equipped to make good decisions.
b) I believe that a certain amount of cheating is inevitable because that’s human nature. While it’s best that the agencies involved try to mitigate it, it’s not enough to make me feel that my donations to foodbanks are wasted.
My experience is that the amount of actual fraud being perpetrated in these situations is usually vastly smaller than critics imply. But even if it weren’t - even if the chances of my donation reaching someone in “genuine” need were as ridiculously low as, say, 50% - that would be okay with me. Because it would mean that a full half of the time my donations would contribute to helping someone who has been treated extremely badly by life and by our society.
I don’t care whether you donate to foodbanks or not. You have the absolute right to decide whether to give charitably, and where your donations go. If you oppose them on principle, that’s completely up to you. I just disagree with you that the people who make “good decisions” and the people who make “bad decisions” are separated solely by individual character and choices. Our society skews people’s chances of ending up in one or other of those groups. Many (not all) of those in the “bad decisions” group are there because their childhood circumstances put them there.