Hmmm. Thought provoking. People who have financial difficulties (especially regularly) do not really have a money problem but a wisdom problem. With the way the world is, the average person needs at least 5 different incomes streams (with different payment duration).
Consider this idea. A system that pays people to listen to an understanding of a venture that can produce an additional stream of income. So, the people are paid for their time. Which then means the listener has the option of using the money for the venture or collecting and spending it. Or perhaps there is even the option of doing both according to the percentage they choose.
This is a win-win-win situation. The venture wins listeners, the listeners gets knowledge and money, your organization achieves its goal of getting money to the hands of people at any time a need arises. If this sounds good to you, I’ll be glad to connect, talk more and (if need be) work together on it