So students on state scholarships, right? They enroll in a bunch of courses. Classes start and they drop all the courses. The system automatically sends them a check with a refund which they are supposed to use when they register for courses again. Students spend the refund. Use late registration to register for courses. And end up with a pile of debt. Which they don’t care about because they are not physiologically equipped to do long-term thinking.
Of course, the system is stupid because you can’t let them come close to cash. They’ll just spend it on dumb stuff.