Even though a sizable portion of the Iraqi citizens ostensibly want to be able to live their lives and raise their families in peace and some semblance of prosperity, Al Qaeda and the Taliban are diametrically opposed to this. And as long as those two terrorist groups keep demonstrating their propensity to do anything, including killing innocent citizens, to sustain their stranglehold on the country and control the populace with extremist so-called "Islamic Rule", no amount of money is going to change a thing. As soon as the allies leave, IMO, it is just a matter of time until Al Qaeda and the Taliban have the governments bent over a barrel, just like they accomplished in the Swat area.
Giving bags of money to the citizenry isn't going to alter the terrorist's agenda one iota; regardless of the intent. This is a war of ideology and control. And the same goes for Hamas and Hezbollah, BTW.
I am deeply grateful for your service.