Makes me think - and ignore for a fact that this would never get over the line in the USA - what if it was only paid to a government debit card and funds on that card could only be spent directly, not withdrawn as cash. Further, they could only be spent on subscriptions - rent, utility, vehicle lease with built in mechanical support, health insurance. Try to remove a lot of the financial unpredictability that wrecks people (car breaking down, for example). Provide a clear monthly or live (digital) report of where the money was going. Of your $1k, $200 is x, $150 is y, $20 is z, etc. Build in budgeting/awareness to encourage people in the right direction.