Even cable, America's biggest luxury addiction, has some trouble obtaining payment.
However what I'd like to see far more is a systemic solution. Instead of permatemps, part time workers, new hire probation (sort of), or even wellfare, 'unemployment' should mean more like a new deal program. There will be something for all workers to do, preferably in/near their training. If there is not, based on aptitude, retraining will be subsidized while more generic work is scheduled around the training. All initial hires/temps/etc will be paid for at full pro-rated cost (but less inherent risk/mutual solidity) by companies in question. The government will also pass on only a discounted rate of payment (but full benefits otherwise) to encourage the worker to land a job outside of the support system.
There are plenty of companies that go after the underclass at scale - things like "no bank needed" debit cards, prepaid phone cards, payday loansharks, western union-style money transfer businesses, public transport companies etc.