I haven’t heard of hiring life coaches for poor people but I agree that would be an example of inefficient spending. I meant things like healthcare. The US spends more on healthcare than any other country, and so when a government program like Medicare or Medicaid covers a bill that means a very large subsidy. College is likewise exceptionally expensive, so need-based scholarships become a big expense.

If there was more of a focus on making these affordable in the first place, the cost for each covered individual would go down for taxpayers. This would free up the budget to expand coverage and offer more quality assistance in other places. Instead, it’s just a reactive policy of paying whatever the bill is when someone does qualify. This creates pressure to restrict who qualifies and what’s covered to keep prices down, while hospitals and colleges get away with charging absurd amounts since the beneficiary doesn’t feel the cost individually.