Many critics of the current welfare system argue that existing welfare regulations foster family instability. They maintain that those regulations, which exclude most poor husband and wife families from Aid to Families with Dependent Children assistance grants, contribute to the problem of family dissolution. Thus, they conclude that expanding the set of families eligible for family assistance plans or guaranteed income measures would result in a marked strengthening of the low-income family structure. If all poor families could receive welfare, would the incidence of instability change markedly? The unhappily married couple, in most cases, remains together out of a sense of economic responsibility for their children, because of the high costs of separation, or because of the consumption benefits of marriage. The formation, maintenance, and dissolution of the family are in large part a function of the relative balance between the benefits and costs of marriage as seen by the individual members of the marriage. The major benefit generated by the creation of a family is the expansion of the set of consumption possibilities. The benefits from such a partnership depend largely on the relative dissimilarity of the resources or basic endowments each partner brings to the marriage. Persons with similar productive capacities have less economic 'cement' holding their marriage together. Since the family performs certain functions society regards as vital, a complex network of social and legal buttresses has evolved to reinforce marriage. Much of the variation in marital stability across income classes can be explained by the variation in costs of dissolution imposed by society, e. g. division of property, alimony child support, and the social stigma attached to divorce. Martial stability is related to the costs of achieving an acceptable agreement on family consumption and production and to the prevailing social price of instability in the marriage partners-social-economic group. Expected AFDC income exerts pressures on family instability by reducing the cost of dissolution. To the extent that welfare is a form. of government subsidized alimony payments, it reduces the institutional costs of separation and guarantees a minimal standard of living for wife and children. So welfare opportunities are a significant determinant of family instability in poor neighborhoods, but this is not the result of AFDC regulations that exclude most intact families from coverage. Rather, welfare-related instability occurs because public assistance lowers both the benefits of marriage and the costs of its disruption by providing a system of government-subsidized alimony payments. Some criticize the current welfare regulations because______.