People need comprehensive basics: food, health/personal care, shelter and transportation. I'm not sure one program in one area can address or even a patchwork of programs will cover all of them, without some sort of single-point-of-contact facilitator (not sure if this exists or how that works, throw me a frickn bone ppl.). Also, at the bottom, there tends to be more emergencies and narrower margins of safety (eg unplanned costs), so some cash is an absolute necessity.

Perhaps a path from basic subsides that encourages people to think about how to manage their own cashflow: a) credits for specific basics as a starting point and fallback and b) after education and coaching, incremental more fraction of cash (as atm/check card) given as budgeting and receipt tracking skills are demonstrated. If they slip (off budget or failure to track), it's back to plan a) and possibly trying to get back on plan b) again. This way, people can choose to become more accountable for managing their own existence rather than assuming big mother "always knowing best." It also has the side-effect of instilling some self-confidence, regardless if the person is otherwise capable or not of gainful employment. It might give just enough confidence to pull someone up out of their condition to a less stressful existence or perhaps occasionally into self-sufficiency.