One question this raises is the frequency of the BI check.
I think many people would need a BI deposit weekly.
I think weekly would probably be ideal.
In a few years, we could even make it daily so it's as close to a continuous stream as possible.
How about 3 times a day, while we are at it :-)
"Top" is relative, you can be at least given the choice of provider, but I am absolutely certain in a UBI scenario offering your UBI for simple living provided for you would be a huge industry, and would also account for anyone who cannot manage money like OP says just fine.
Essentially, allow people to pre-commit to paying for a specific expense to a private organization which has to provide that service. They can opt out later on, but only before their next basic income check.
Also, I think there should be some sort of auto-enrollment system. So if you're found homeless, having blown all your BI check on booze, you'd be automatically enrolled in the top housing provider.