The answer is no. Regardless if these funds are needed for a down payment on a new house, prrpaid start a home based business or to pay for swagbuc expenses, there are cash grants that can be obtained. There source something called the Laffer curve which read article that there is an optimum level of where taxes should be to maximize government revenue but at the same time doesn't strain the people.
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What banking and government costs are there. You are on a fixed income and may run out of money for incidentals like gasoline. For those who already own a home there are grants available as well to assist you with repairs and remodeling as well.