The main 'irresponsible spending' is interest and fees on loans, fines, 24 month contracts for unneeded stuff, etc.
Make the bankruptcy system far easier to use and take away the downsides, and then anyone with money trouble can go to a court, and walk out a free person, keeping their job and basic income, which should be sufficient to pay rental on a basic house and car.
The main 'irresponsible spending' is interest and fees on loans, fines, 24 month contracts for unneeded stuff, etc.
Make the bankruptcy system far easier to use and take away the downsides, and then anyone with money trouble can go to a court, and walk out a free person, keeping their job and basic income, which should be sufficient to pay rental on a basic house and car.