I think you're somewhat on to something - but please don't blame the lack of the programs here working on a lack of spending. It's due to complete and total ineptitude of the individuals tasked with running the program. The GS/NH/DB (government service civilians) workforce for the most part is a total joke. 10am-2pm, golf course by 3pm, watching some form of streaming television 80% of the time. At least this has been my experience, from the VA, to the DoD, to the DoS. I've either contracted, been affected by, or deployed for any of the three organizations I've mentioned. I've been an active duty Marine, a DoD contractor, a DoS contractor, and worked some contracting in the IC - all are rampant with ineptitude.
I'm also sorry to disagree with your last statement too - the expense of the every day person is an honestly shit analogy, no offense. I pay a shit ton in taxes to support individuals who are too damn lazy to take care of themselves. I live my life day to day, taking care of myself and my family, and I have no reason to worry about it. Want to know why? Because I work my ass off and I don't accept failure as the end result. Learn, adapt, overcome - strive to be better every day. Not to sound like a self help book, but honestly, it's that simple. Will there be hard times? Sure - but learn from them, adapt from what hand you're dealt, and become a better person for it. Most people in the USA don't do that, period. That's why our society is so broken. For every successful friend or acquaintance I have, and I'm defining success here as self-maintaining, and not depending on government handouts - I have five or six that are totally depending on Uncle Sam to make it through the day. EVERY SINGLE ONE of them is due to self-inflicted, idiotic choices that they refused to pay the price for, learn for, and move on. Don't get me wrong, I'm all for helping out those who have disabilities, can't live the life that the rest of us can....... but I'm not helping out the local impoverished whore who's had seven kids by seven dads and needs me to pay for her shit choices on EBT and other bullshit.
The VA? A joke - so what did I do instead of hoping Uncle Sam will help me? Get private insurance through my job, which is great - because I bust my ass in my career to earn a position that has excellent benefits. What have some of my comrades done? The exact opposite, depend on the god-awful VA to slam SSRIs, other ADs and opiates down their mouths to keep them quiet and zombified. It's a joke and it's sad. I don't want to see another PENNY given to the government until we eliminate the mouth breathers and waste that comes through the halls of DC and down to the departments.
TL;DR - you get what you put in. Put some skin in the game and quit relying on other people or entities to fix things for you.
My man, I know you didn't say the military is well ran. LOL. I've seen that first hand. C'mon now, drive over to Fort Hood, Fort Bragg, there's TONS of soldiers sitting for 8 hours surfing their phones. Yes, there are people busting their ass and getting the job done, but that's far the minority versus the majority. It's a bloated entity that is deemed "well run" because our technology and strategy is far superior to any of our rivals. Once we lose that advantage, and China is really making strides to ensure that is happening - a lot of our glaring holes will be exposed.
And local civil government? My man those are the most corrupt places on Earth. Just the other day I read where a fire chief in a town close to mine was EMBEZZLING funds through the department. Two local sheriffs near me took funds intended for feeding inmates, cut the inmate programs to where they fed barely edible meals and pocketed the funds. Again, there are people busting ass that are doing it for the right reasons, and I have many friends who are cops or fire fighters, but they'll be the first to tell you - they're in the minority, not the majority.