If you are well off, everything is rosey. If you fall on hard times there is not much of a safety net.Again, another ridiculous blanket assertion.
People who fall on "hard times" in this country (either by their own choosing or through circumstances beyond their control) have an almost ridiculous amount of aid available to them. Americans (and non-Americans for that matter in many cases) can and do receive state aid that pays for their housing, medical care, daycare, food and educational costs. There are unemployment & disability programs available when people are in need. Many of the poorest people in this country enjoy a standard of living that is unheard of by the poor in many other nations.
In many ways, I think the net is too wide. As an American, I see the poverty problem as self perpetuating in that there is often no impetus to take advantage of the opportunities that are available in spades to improve your life--why work any harder (or at all) if someone else will foot the bill to make sure that you've got a roof over your head and a meal on your table? The attitude seems to be that while it may not be the best of all possible worlds, it sure beats working for it. The lives and plights people who legitimately need and benefit from the enormous amounts of aid available are often overshadowed by those who have made the same aid their 'career'.
Edited to add: But I should also mention that I have a very hard time denying or limiting such aid to people who are caring for children (or dependent adults). Regardless of the choices or circumstances of the caregivers, I can't see making those who they care for suffer more for them.