Consider a person's financial situation, comparing the person's income and resources
to ordinary and necessary expenses when deciding defeat the purpose. Take into account
such factors as the existence of overpaid funds in the person's possession, living
arrangements, the presence of a boarder or dependent in the household, and the person's
usual and customary fixed expenses (i.e., standard of living). If the person is receiving
cash public assistance, recovery is deemed to defeat the purpose and no financial
development is needed.