Another big thing is INSURANCE. You'd be surprised with how many people race despite lacking health insurance. That's actually a pretty big perk for Gold and Silver level support from USAC.
I think one big flaw in the current incentive base system is that you pretty much have to be World Class (i.e, medal capable) to receive substantial support. It really leaves out the some incredible athletes who are just developing. I was talking to Ashton Lambie's wife and the TP team just finally qualified for a stipend and health insurance. I know that USAC isn't swimming in money and we should understand that the US team is really just a bunch of dedicated athletes making do with what they have.