Nobody:
Amen!
BTW, The Gemoros do not argue. Even if the former wealthy individual goes back to work but can not keep his prior standards, it is a mitzva to give him tzedoka to help pick him up. He should try hard not to take it, but is allowed to do so if needed.
On another of your points, an unpaid internship is always good experience, and can (and has) turned into a paying intership and/or a job.