If unemployment insurance and state fmla pay are any indication, any cash payments will be driven into the same laggy rough to navigate bureaucracy by the coalition between the people who like being cruel to poor people and the people who think insurance is some kind of handout.
That doesnt follow. We already have welfare/handouts and it idnt hard to navigate, some people just need guidance doing so, which is available. 90% of people living on the street have a) a bank account and b) a smartphone
You also need an address that isn’t a P.o. box or a post office. Everyone I’ve talked to who has gotten unemployment or welfare compares keeping it to a part time job.