It’s a huge part of the culture of generational poverty as well. I used to work in Legal Aid and some of the schemes that folks used to milk the system to illegally (yet understandably) avoid the trap you’re talking about were absolutely brilliant. One couple used domestic protection orders to have a legal paper trail that the male couldn’t legally live with his partner (to avoid “household” income counting as your income). There was zero domestic abuse going on, but the women would lie, get her protection order, and have something to hand to the social service workers. Male partner would sneak in and out to avoid being too obvious that it was a sham. Absolutely brilliant, made it a shame that such smart fraudsters never had a life that gave them a vision and hope for something greater.