Except alot of people making 10k a year live in free or subsided house and pay nothing for heating.....

But again, you're only looking at income and that's not the best measurement.

Like let's say there are two families, one who makes $95k/year and the other who makes $65k/year. You are saying just based on that, the $65k/year family needs more assistance.

But what if the $95k/year family has 5 young kids who are all in sports and dance and some in childcare and the family's average annual expenses is about $90k/year whereas the $65k/year family is just a couple with no kids and they only average annual expenses of around $45k/year? The $95k/year family only has about a $5k buffer from living beyond their means whereas the $65k/year family has a $20k buffer, so it seems like the $95k family probably needs assistance more than the $65k one in this specific case, but how would that be determined unless there was some way to collect and process all that information (which would be very costly to do)?

And even if you had a way to collect and process all that info, would it still be able to make such a determination? It seems unlikely, so giving everyone something like this is probably still the best way to make sure it gets to as many people who need it as possible.