No. I think you’re purposefully jumping to that extreme.
The Church’s (any organization’s) welfare system is designed to be used temporarily and in case of emergency. I love the Church’s welfare system.
It is also very easy to abuse. Like, beyond easy. When my dad was Bishop, he would use it benefit anyone who needed it, member or not, as it’s designed. But there were instances where someone used it long term (like the Church paid their rent for an entire 6 month lease). That is not its purpose, but it can be used that way. In those cases, my dad would ask them to participate in some things to help the Church as well, like help clean the chapel every Saturday with the other members doing it. Or shovel the snow from the Church sidewalks. Simple, easy stuff like that. There were cases where people would agree to that, but never show up. Never set foot inside the building unless they were collecting their check. Those are the ones that bother me.