trying to teach self reliance and proper planning, but the government punishes him for doing so, is that something the government should be doing? For instance, say you had two individuals who come from the exact same background. One's parents scrimp and save and establish a fund that the child is able to access for college. The other's spend like there's no tomorrow and have a negative net worth. The two individuals came from the exact same background. The government allows one to access money from the government while the planner is precluded from doing so simply because his parents exhibited much more responsible behavior. That is beyond asinine.