Sadly Hocus, not all people in the is world are ultruistic and business is business. you and I might not do things this way, but there are others who do and that is the way of the world.
There will always be people who are not caught in the safety net and do you realise this is the only country that I know of which does things this way? That is the topic for another debate.
If I won the lottery I would help my immediate family and not the extended family and I certainly would not be responding to any begging letters.