> Correction: this is what happens when poor Cherokee receive a stipend, but let's not pretend that the Cherokee are the ones we're worried about here. [...] Successfully repeating this experiment in poor black and latino populations a few times would [...]

I can't be sure what you intended to say here, but the message it sounds to me like you are implying sounds quite racist to me.

I DO care about poor Cherokee -- and poor humans in general. I have little reason to believe that any particular racial group would behave differently. You seem to be implying that blacks or latinos have a "different subculture" particularly in how they "treat money". I have no idea why you would believe this and unless there is good evidence to support it I would speculate it is probably just prejudice. I say that because, historically, essentially every one of the "racial differences" (especially the mental ones) that have been claimed have turned out to be baseless and untrue.

You also seem to be suggesting that there's a psychological difference between money received as federal assistance and money received from "one of their own casinos" because of considering it "theirs". That's an interesting claim. If true, then perhaps it suggests that a stipend program, if one were to be set up, would best be presented as if it were an earned entitlement or payout -- rather like we do with Social Security.