Why do you think there are handouts in the first place?
The political class knows that savage mooks would have their heads on pikes if the gibs stopped.
Besides, what's a few trillion of taxpayer money among friends?
That's the whole idea, you take some with you. As this outcome increases in frequency, the number of government thugs in costume willing to do it will decrease.
Amica is pretty good. They may be a bit higher, but when it comes to claims they won't jerk you around or nickle and dime you to death like Snakefarm or Allsnake.