The problem is that this doesn't offer them a "way out", that whole shit ensures they stay down in the gutter. 'cause, well, you don't think they get paid according to the risk to their health, do you? They get paid just enough for them to get by and keep them dependent. It's drug pushers we're talking about. Legal drug pushers, but why does anyone think they're in any way morally better than the average drug cartel. Paying the bums more than absolutely necessary not only costs more than it has to, but it also potentially threatens your "test bed", because if someone managed to climb out of the gutter on your money, you'd lose one guinea pig to test on.
The Dream was that you can make a mistake but start over and claw your way back to the top. Forget it. The ugly reality is that once you're in the gutter, you stay in the gutter. You make a legal mistake and you'll be labeled for life. You make an economic mistake and you permanent credit history will ensure you'll never ever get a loan again. And once you're in the gutter, that's where you'll stay for the rest of your natural life.