> there is massive inefficiency and bureaucracy standing in the way of people actually getting help,

That's because that bureaucracy isn't there to serve its clients. Its there to serve itself. Those are politically popular jobs that flourish on backs of the underserved and impoverished. There's no incentive to reduce the friction when for the most part poverty is seen as a personal moral failing. It's not the system. It's "them". And the system perpetuates itself and that belief.