Why don't you just give me the money

If I had enough money to buy property, pay the bills I have, and occasionally buy gifts for friends, I would feel comfortable.

Right now, I either have too much money, or not enough. I have enough money to spend it on wasteful stuff and not enough to make the HUGE jump out of debt and into a home.

Why don't you just give me the money I need, and only the money I need? I'll clean up bodily fluids, move heavy stuff, expose myself to toxic substances, whatever. Seriously.