Hell no.
Are you u all living in rosy mc Rosewood Santa's little safe harbour everything is fine and dandy rainbow world? Or are you all lying through your teeth?
Letting someone in your home with clearly visible psychological issues, in your circle of trust, filled with those you hold most dearly and packed with your dearest memories, that place... And then letting someone in you know nothing about?
Hell fucking no.
In the real world letting some rando homeless dude in your home has a 50/50 chance of ending up in crazy town. There is a high probability that you, yours or your stuff get fucked up. I cannot and will not accept those odds. Even a 2% chance of shit happening is a risk I'm unwilling to take when it comes to my kids.
Would I help him? Maybe. It depends on some factors (like can I at that specific time, did I help him out earlier, do I have cash on hand) Would I let him in? No f-ing way.
So real answer: money: maybe, eat & drink: anytime. Clothes: I've got some you can have, no problem. Bath and clean: nope. Never.
You indeed need prime for this.
Which is the best deal you can get for free fast delivery, unlimited photo storage, several free monthly pc games, free access to amazons cloud gaming platform luna to play anywhere on anything and prime video. And some other shit i don't remember.
Its not a loophole. Its a very clear transaction. You give them money and some data, you get this pile of stuff which costs more (money and data) if you get it somewhere else.
And yes, its a lock in into the Amazon ecosystem. We all know that's the reason amazon does this. Which isn't t worse or better then the Google, Apple or MS ecosystem which you're already on since you're posting here. It is much cheaper though.
SSDD.