Yeah, right - give them a guaranteed income from the public treasury - the same people who can’t handle their own money now won’t be able to handle that either - they’ll end up in great financial difficulty, children starving, old people dying, houses falling down, and on and on, until we have to have some special programs for them, funded by the public treasury
That's why you need to give it to them piecemeal and in-kind: food stamps for a defined list of foods, housing-in-kind, etc. When you are dealing with adult children who cannot manage their own affairs, you must act like a nanny state, controlling many aspects of their lives until they manage to take control themselves through personal responsibility. In other words, the current patchwork system is the right approach, just too generous.