The continued meme from the political right suggests that monthly disability benefits encourages people to have disabilities; Social Security checks are creating a generation of old lazy people; food stamps inspire poor people to quit their job (or not look for one) so they can eat steak and lobster for free; welfare checks seduces young unmarried women to lay on the couch all day long eating Bonbons while having multiple babies --- just as life insurance causes people to die prematurely; auto insurance recklessly leads to car accidents; home insurance rewards hard-working people to burn do