No argument with what you just posted, but the programs should be at the local level, since it is not the job of the Feds, nor does the Constitution authorize them to meddle in such affairs.
I'll just refer you to Boone's speech about spending.
It's really long so I won't post it unless some of the newer members missed it in previous threads.
Not only should they be local, most of them should be private or by donation.
I think the local PTA can spot Honor Students deserving Ice Cream better than an agency in DC. They can also canvas the Chamber of Commerce. Alumni Association, and all the local Ice Cream Parlors for donations and get the job done cheaper and with no obligation to the Feds for helping you with your own money.
Every Realtor and Home Construction Co. would be interested in jump starting any neighborhood, particularly in today's housing market. Local businesses have a vested interest in keeping the neighborhood vital. No doubt the locals would do a better job at picking the best candidates for home ownership assistance.
Where will all this local money come from? Think about the extra cash you would have if your Federal tax burden were reduced to one forth, or less, of what is was last April. And I firmly believe that you will produce more benefit for giving 50 cents to local charity than the dollar the government took from you was bringing. And 50% waste is likely an under estimate.
I have faith that folks will help others if they see they will be dong some good, don't think "They" (Government) is responsible for helping their neighbors, and have direct input with every contribution they decide to make or not make on who deserves the help.
The locals will decide who need "welfare", and I bet if you are receiving local charity to help you through, adding another dependent to your household won't mean you get more money next time...most likely it will mean you get none.
Just the fact that you are directly helping folks you can see every day will greatly increase the feeling of "Community" in the area. Folks will be taking "ownership" of their neighborhood, knowing it is in their hands and their responsibility and privilege to help build their community and the Feds have no say or ability to interfere.
If everyone turns greedy and decides to hang on to their money and not help, it will be a very sad thing indeed but it is still not the Governments directive to force folks to chip in at gun point......and taxes are exactly that....guys with guns will ultimately show up to enforce tax laws. How many 870s did the IRS order?
I have more faith in the people of this country than to think greed will take over. I have seen stories of folks driving hundreds of miles to help stack sand bags or haul supplies to stricken communities. The internet and broadcast TV insures the plight of those in need is know far and wide.