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If a person can't take care of themself then a social worker should be the safety net. Adult protective services should step in and emergency assistance could be granted. But people with patterns of mismanagement should have a guardianship assigned.

With guardianship that UBI could be directed to an organization to provide that budget management. They can issue a food stamp card, housing assistance, etc. That management could be a government agency or privatized. If privatized it would have to be regulated as a fidicuary.