[lupusreal]

> In your scenario the cycle will likely repeat no matter how much money is injected into their life,

That's just your conjecture. Monetary help given at the right time can and often does break the cycle. The easiest way for this to happen is by the troubled person getting help from their family or friends. For instance, they may be lent a car and given a place to stay so they can save money without paying rent. Friends or family are in a good position to judge when somebody is serious and ready change their life for the better, or will just continue the cycle. They can and should withhold help until that person is ready.

For a government program to be as effective is dubious because it lacks that effective feedback mechanism. As I said, I don't pretend to know how such a program could be effectively run. I am only responding to the premise that money (or equivalent, such as lent vehicles) can't actually be the missing link that allows people to put their lives back together. People who have access to such support frequently do success, while those who don't usually won't.