The poor borrow more, save less,drink and smoke more, exercise less and eat less healthfully.
This idea is to combat the underlying assumption that 'there is something wrong with them' .
In general low income earners are relatively poor one part of the year and relatively rich the other part, Since low income earners collect most of their income at irregular intervals.
This aims to initiate the a long term perspective to get rid of a situation where anyone would make dumb decisions.
It would be in a basic sense a monthly grant enough to pay for basic needs; food and shelter. It would be completely unconditional.
The ideology is that people would be able to buy what they need instead of providing what self appointed experts think they need.