I honestly think that people make excuses for inabilities that can be embarrassing to have to admit to. Some people would rather "talk slick" than to admit to the real deal. It is not a simplistic problem, as much as some folks would like to think it is.
The corporate government assistance is much more shameful. The corporations who have their shares and many other peoples who line up to make sure they get ridiculous amounts of government money. Truthfully, I'd rather pay individuals than greedy corporations run by billionaires with no shame.