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The problem with defining the line is that the line keeps moving. The beauty of the Finland idea (without regard to its effectiveness) is the idea of abolishing the line entirely.
The bottom line is that no matter where you draw the line, there will be two problems: some folks who get cut off shouldn't and some folks who should, don't. There is no solution. All any nation can do is encourage self-sufficiency, make assistance available to those in need and, to the extent possible, prevent or disincentivise migration into the benefit group.
The problem with pure capitalism is that it makes no provision for the needy. The good thing about capitalism is that the pie is so much bigger. The good thing about socialism is that the needy are looked after. The bad things about socialism are that the pie is so much smaller and so many more people want a piece of it.
It would be nice if it were possible to find those folks who change roles between a capitalistic model and a socialism model. For those folks - the ones who can fend for themselves if they have to but don't if they don't have to - they are truly the reason that neither system works.
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