I'm not sure how that is relevant at all. We're talking about how a BI system could work and whether it could be a good idea to split the money in tiny daily chunks. I stated that I believe that is a bad idea because I believe it's generally harder to put aside a dollar a day than $30 a month at the beginning of the month. So far I haven't heard any counter argument, just "How would that be worse than what we have now".
Plus that question has so many answers depending on which country you live in. I can tell you for example that in my country you are expected to save part of your welfare money for those cases, which does not necessarily work very well since it's often not enough money to really save it.
How do we help people when this happens NOW?