It's not so much that people give money to the crooked - if the crooks are any good at their business they take the money before anybody gets a chance to make a decison.
The unproductive present a different problem. Letting the unemployed starve to death or die of exposure wne the economy is depressed leads to a shortage of workers when the economy recovers - the less enterprising unemployed die along with their dependants, and the more enterprising become crooks and end up in prison, leaving their dependants to starve
As solutions go, it is a good less than optimal. See if you can come up with a better idea.
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