I was with you right up until you got to the last paragraph where you concluded that a guaranteed government check was the answer. No, guaranteed, living-wage jobs are the answer. Having a job is more than just financially important. It is emotionally important.
There is a great deal of work that needs doing but which cannot be funded on a for-profit price basis because the Market is structurally unable to factor into the pricing equation the value of certain products and services to third parties nor the costs to third parties of the Market not providing those products and services.
This work is important, useful and will provide the needed living-wage jobs but it must be partially funded by government grants to nonprofit employers because this structural flaw in the market pricing mechanism cannot take third party costs and benefits of this work into account and cannot charge those third parties for the benefits flowing to them from these products.
For details see my post: The Market System’s Inherent Inability To Accurately Price Mandatory Products & Services