When you hand poor Americans free government cash on a one time basis, the money goes to food, cigarettes, alcohol, car payments, gasoline and gadgets.
It's not 100% true, but it's not a bad place to start the discussion. In the end, we want those dollars either freeing people from poverty or increasing productivity. Using those dollars to buy off a debt or to buy food isn't a bad use of the money. Obviously things like "trip to the dentist", or other wealth-creating activities are good too.