"If European governments and the U.S. Congress ceased the practice of giving people what they have not earned"
True but that is not the only source of the problem.
It has to be combined with disallowing, or punishing, financial institutions of packaged bad assets under a 'good' label i,e, derivatives. Same applies to selling what is not owned (shorting). These are fraud by another name.
Add to those the uncontrolled printing of so called 'money'. List goes on but you all must get my meaning.