Pashuteh Yid,
If someone needs them,, he should go ahead and use them. But as Wolf said, to plan one’s life course in advance knowing he will use them does not seem right.
I do have a minor disagreement with this. If a person had decided to learn in kollel for a period of time, or was in grad school, should he delay starting a family until finishing, or drop out before finishing to look for a job if he knew that he would need to apply for foodstamps to feed his new family?