Huge is a relative term. But if you need a payee it is because something in your medical records indicate some problem with managing money. Could be many different reasons. If the payee pays your small bills and then transfers the huge amount to you to do with as you want, that is not a responsible decision. What is the point of having a payee if they just give you the money? That is not following the payee rules that they agreed to and it is called a conduit payee, just a funnel from SSA to you to make whatever decisions you want, good, bad or otherwise. Why even have a payee?