Always_Ask_Questions,
“I was just explaining that you start w/ early sources and then see what qualifiers later sources add to that.”
But that’s not what you did. You stopped at the Rambam and S”A, and then applied highly specific “psak” for today’s U.S. situation. That people should not accept money from government programs targeted to low income families to learn full time (assuming these programs = tzedaka), that they should make Shabbos like chol (which today would not impact the weekly budget much at all), etc.