Kiwi benefits

Now, I haven't done the research, but my own experiences lead me to believe that less than half of what the govt spends on benefits goes to the actual beneficiaries. What's more, a good chunk of the administrative costs can be accounted for by forms that aren't needed, and material that is completely redundant.
Here's a way to cut some costs, and remove a bunch of fraud too. Use our Community services cards as eft-pos cards. Groceries, petrol, Drs bills could be paid with them, while rent, power, phone, and other such costs get paid directly. Give adults $10 a week for non essentials like booze and ciggies, and $5 a week per person under 18. That way there's food in the cupboard, a roof over the head, and less chance of kids left in cars outside the local pub while parents blow their dole money on the pokies. Someone tell me what's wrong with this idea.