And unfortunately usury seems to be the most widely accepted solution.
I've only faced financial security once in my life, I was young (was I even 21 yet?), I had just been laid-off as the doctom bubble burst, and that weekend my vehicle was stolen and per my folks' advice I only had liability coverage. Filing for unemployment covered my rent, my lack of vehicle meant I could cancel my auto insurance since obviously I didn't need it anymore, and my parents loaned me a car and covered food and utilities until I was able to find work within a few months.
I was lucky that I had access to a family safety-net, because sure as hell unemployment insurance payouts from the state-run fund only barely covered rent. It probably would have been difficult to get official food assistance since it's not oriented toward single men (I am not advocating that it be taken away from women, families, and kids, just stating the observation of current situation) and it probably would have taken time to even be rejected. But there are food banks that don't require being on food assistance.
I would personally love to see the system improved, to provide more coverage, and to better audit. There are always complaints about abuse of such systems, and while abuse happens, wouldn't it be possible to find and stamp-out individual examples of such abuse? The system does help people, it could help more, and the abuses could be curtailed if there was some will to actually investigate those abuses rather than just using them as pretexts to try to get rid of such systems.