One idea I've casually pondered is if things would be better if you had a card that got a daily, or even hourly top up, instead of the status quo of a monthly top up. Bills would have to be similarly broken up into continuous payment, or some people might not be able to save up enough continuous income to pay them.

I think it at least sounds possible that it could shift people to a more even expenditure rate instead of the rich for a week, starve for three, some people lead.