Who doesn't know this? The problem isn't that there's no safety net, the problem is that navigating it is a maze and there's tons of cracks for people to fall through. Many, many people don't get the help they need because of that.

Take rent vouchers: only some people who "qualify" actually receive vouchers because there is a cap on the total number the government gives out. Or the EITC: to get the full benefit your income has to land in a narrow band. Or SNAP: all sorts of weird restrictions, and tons of people who are eligible but who don't know to sign up