You're an adult, free to choose your own path.

You should have term life only at about $500 a year/adult  for the adults only while the kids are young.

Later, when she became an adult, she would always buy the most expensive things in cash.

Imagine living that way for your prime adult life when all your friends/colleagues are enjoying themselves lol complete torture.

Usually, CPS funds are for "resettlement and stabilization" of a family, so perhaps a family moving away from an abusive adult, resettling after the parent completed an alcohol or drug program, or moving the family to somewhere where they have family supports (grandparents, healthcare, etc.).

You just need to make it clear to all tenants that any adult on the lease is responsible for the duration of the lease, regardless of what happens in any relationship.

Affordable housing is a great need in cities large and small, and I know we have hardworking families and adults who are excellent tenants and just need some assistance for the basics (food, clothing, shelter). 

No further cleaning, repairs or improvements will be made without prior written agreement with PM"; "Security Deposit is equal to one full month rent, and must be paid prior to occupancy"; "All adults must provide their information, and signatures on the application, and will be required to sign the Rental Agreement".

We are all adults here, and I would expect some better responses from those adults.

They don't act like mature grown up adults.