What does this mean though? Sure it’s not new, but does it make it less of a mess?

The choice of it being given in a large sum is interesting. I recognize I have the bias of giving money to individuals with fear that it will be misused, but I do think it has to do with amount. If someone gave me $20 randomly, I’d be much more likely to impulse spend it than if I was given $1,000. With a large sum it feels more impactful to save/invest/pay bills than needing to contribute small amounts consistently.