you know the reason that we don't have those things is precisely because politicians campaigned on the narrative that black people (welfare queens, etc) would unfairly take advantage of a system like that and they won.
So it seems like you understand what needs to be done but what not what the blocking issues are.
>>nomat+(OP)
To reinforce your point, those same politicians are fighting against student loan forgiveness. This is telling; to them, only suffering under the burden of non-dischargeable debt entitles you to the same opportunities as a wealthy family.