Blind person here; I'm not on SSDI myself, but I have friends who are. All this policy seems to encourage is financial crimes, bordering on money laundering. It seems like everybody is doing it, or at least everybody who I've talked to. I've seen everything, from very careful financial planning, including buying things and paying bills a lot earlier than needed in anticipation of large influxes of money, to withdrawing money in cash, which is easy to hide and easy to justify to a government official, to putting money in weird accounts which the IRS is unlikely to audit. I'm sure people who actually live in the US have seen a lot more examples of this than I have.