If all of your money is going to rent, health bills have bankrupted you, and you don't have the energy and clarity of mind that comes with healthy food and a stable home, you're expecting such a person to have the mental energy required to cost-optimize on $3/day?
Cost-optimization is a hard problem, which is why companies spend a lot of money for consultants to do it, and programmers spend a lot of time figuring out ways to optimize CPU/RAM, for example. So yes, it's actually very easy to end up in a situation where you would go hungry without food banks, even in America.
If you can't make the decision to spend your government food stamps card to buy food to eat, then I don't know what society can do for you. What do you want? Prepared food delivered to the home of everyone who lacks the "energy and clarity of mind" or the "mental energy" to make such a simple decision?
Cost-optimization is a hard problem, which is why companies spend a lot of money for consultants to do it, and programmers spend a lot of time figuring out ways to optimize CPU/RAM, for example. So yes, it's actually very easy to end up in a situation where you would go hungry without food banks, even in America.