You want to avoid these things, don't have kids or don't get a divorce. Presumably, DHS processes these payments so as to better monitor deadbeat dads and to help ensure you get your money. They are not a consumer bank, nor should you expect such service from them, and frankly, you expecting such service from them makes me question whether you're dealing in realistic terms regarding this problem.

The rest of your post is a bunch logical fallacies that need not be addressed.