^ Yeah, I don't think of the decision as reward/punishment. It's, "Where will this money I've worked so hard to save go the furthest?" If Joe would blow it in six months, not there. If Tammy has been manipulating funds from a vulnerable person for the last ten years, depleting what the latter has available for self, good people, good charities, not there. But stretching the hard-saved money for as long as possible can happen via a trust for my son (who has a disability and will likely need a buffer of support), people who will help him, well-managed charities, and nonmarket housing options for people who need those.
It makes no sense to me to save, work, save, work then give it to someone who is very likely to throw it all away.