If you have to claim financial aid from the government as a result of factors beyond your control, then you are perceived as a "benefits scrounger" and subjected to numerous degrading and dehumanising assessments, bureaucracy and red tape - all of which have a shared mission of discouraging the claimant from requesting support and doing everything possible to justify withholding it, even if survival depends on it.
Everything you said is so bang-on, but this really hit home for me.
(Long post incoming, because apparently that's just what I do.)
A few years ago, I had no choice but to stop working due my rapidly-declining physical and mental health situation. Because I had a full-time job with benefits and was past the probationary period, I was able to apply for disability through private insurance as part of the benefits package.
I understand that they want to prevent fraud and don't want to pay out the benefits regardless of what the applicant is actually afflicted with, but the whole process of actually getting approved for disability and being able to keep it is so degrading: A complete stranger asks you extremely personal questions, then your answers are passed on by this stranger to a group of doctors who have never even spoken to you directly to basically "grade" you on whether or not your pain and hardship is valid and whether or not you deserve help, then if you "pass", you merely get sent the application form to mostly be filled out by a doctor (you're completely SOL if you don't have one – I didn't at the beginning, despite begging doctors all over the region to take me in as a patient, and even calling the fucking provincial health line for help multiple times over the years because there's an extreme doctor shortage where I'm from), then this group of doctors and strangers that have never met you have to approve that your pain is "legitimate", and THEN if you're approved you have to have your doctor fill out a renewal form every month stating that you're still disabled, until the short-term disability runs out in 6 months and you have to start the process all over again to apply for long-term disability.
I somehow made it up until that last step because I managed to get connected with a short-term psychiatrist (only AFTER trying to kill myself at the beginning of the whole process) who actually took me seriously... but because he was part of the crisis unit I couldn't keep seeing him, so I was referred to another psychiatrist to see on a long-term basis, and she was awful. I asked her to fill out the little monthly renewal form for my short-term disability, and she was visibly annoyed, sighing and acting like I was asking her to write a 1000 page report in a day, and then when she finally did it she said, "Okay, enough of that; now let's get back to the MEDICINE," and then proceeded to fuck around with my medications, and I got serotonin syndrome. When the time came for me to apply for long-term disability, she refused to fill out the paperwork because I currently wasn't in DBT (she gave me no referrals and I didn't have the means to pay for private sessions) and she said, "I think you just don't want to go back to work." It was such a big "fuck you" on so many levels; a total disregard for how hard I was trying, despite the whole system making it fucking impossible to access any of this "help" that they love to dangle in front of vulnerable people's faces to keep them from killing themselves for whatever reasons they've got up their sleeve (but I have a few obvious ideas as to what they could be, and none of them are for the actual benefit of the individual). My survival depended on this money and my psychiatrist didn't give a single flying rat's ass with all of her nice clothes, designer handbags and her big fat doctor's salary. Fuck her. I'm from a country where we're known for our "amazing" healthcare system and social programs... right.
All of this – and this was all highly simplified – for just a little over $500 a month, which wasn't even enough to afford to keep a roof over my head (despite living in low-income housing), anyway, never mind any other basic life expenses. I tried to apply for welfare on top of that, but but because I was living with my ex (a part-time student paying for her own education and half of our living expenses on a retail salary) at the time and the combination of our total income and "assets" (aka, the car she was gifted and the little TV we had) exceeded the (very low) maximum amount of money one can have in order to apply for provincial aid by just a few dollars (which nobody could possibly live off of), and because I wasn't actively searching for work due to my illness and I hadn't been designated as a person with disabilities on a provincial level by a doctor (and all I had was that awful psychiatrist), I couldn't even get a chance at applying for less than an additional $200 from the provincial government, which, in combination with the $500 or so, STILL wouldn't have been enough to afford basic living expenses like food and shelter, never mind any therapy or medical treatments.
And then when I ended up in the psych ward after being found by police with a tie around my neck after trying to hang myself, they actually had the nerve to ask me why I didn't want to live anymore, and told me that I had "so much to be grateful for", despite knowing jack shit about me or what my life has been like. Save it; they can go fuck themselves, too.
If I were currently where I'm originally from, I'd have to apply for federal disability in order to live and not be an even bigger burden on my family than I surely already would be. Even though federal disability is something that every citizen pays into and is theoretically entitled to it if they need it, the government still doesn't want to let you have it, and they'll make it as difficult as possible for you to get your hands on that ~$600-$1100 per month that you've contributed to. (For perspective, renting a tiny apartment where I'm from costs over $2000 per month on average.) I'm way too sick to even think about going through that whole nightmare again – I honestly don't think I could handle it – and I've had enough of trying to convince people/"the system" that I'm worthy of not starving to death in a cardboard box on the side of the road somewhere, just because I'm too sick and disabled to "contribute to society".