the woman is correct in blaming the system. she understands that the disincentive comes from a systemic failure and deliberate misrepresentation/misconception. even @geohot said in some interview he'd rather die than receive UBI while his face and body language radiated 'LIAR'.

let the woman work & make sure her bank account statements aren't stressful. she'll take some learning paths to get certificates, qualifications, skills required for promotions, financials literacy and self-employment. pay for all of it in advance, set a time limit and rep limit for exams of three years and 12 exams. if she fails, don't pay for her learning paths anymore but keep her bank account statements stress free.

she'll have money to spend on the markets and sh'll pay at least some taxes ans she'll be evolving, living, and her children will, too, and her chances to meet a proper new partner will be much higher.

students in their early twenties who don't have children and are eligible for some form of federal financial support don't really need even more money and there are incentives to perform and get projects, grants, scholarships for all kinds of characters. apprentices who earn waaaaay too little should also get stress free bank account statements for obvious reasons.