Lots to discuss about this. I will preface this with the fact that I may be out of touch with low income because I have been doing well for a long time now, but at 28 I was working for just a little more than minimum wage.
1. Of course some people have no income due to poor health, they mostly are on SSDI.
2. I think the studies about poverty that talk about the stress of poverty are not about what we call poverty in the first world.
3. Measured by consumption there is very little poverty in the USA see here: http://conversableeconomist.blogspot.com/2013/09/the-poverty-rate-income-and-consumption.html
4. Recently there was an article, I cannot find it, about how positive about the future people in El Paso TX are. Also the people working in the little Chinese restaurants around here are probably working for less than minimum wage but I bet most are optimistic about the future. So perhaps a more positive message would help, say: “You can do it like this guy: http://earlyretirementextreme.com/how-i-live-on-7000-per-year.html
5. One of my impressions is that many people in the USA that are low income and have no or negative wealth are there because the do not worry and so do not save and hold off on consumption. Am I wrong? Maybe they are right to think like that, as starvation is virtually unknown in the USA.
6. Some people talk about people having too live in a bad neighborhood, but we cannot all be above average. So that is unsolvable, although more and better police might help. http://marginalrevolution.com/marginalrevolution/2013/01/more-police-fewer-prisons-less-crime.html and here: http://mason.gmu.edu/~atabarro/TerrorAlertProofs.pdf Also legalizing drugs might help in 2 ways: https://www.youtube.com/watch?v=OP56H_ZpEsE.
7. Nevertheless we are very rich in the USA and a UBI or an hourly wage subsidy to replace the complex and convoluted matrix of programs that we current;y have for least capable among us. The trick is to do it with while minimizing the negative incentive affects.
8. Certainly the church could, should do more but it is very fragmented now and without the big denominations building new hospitals, old age homes, orphanages is difficult. I think some of that is due to crowding out by government. The mutual aid societies have been almost completely displaced. Further according to sociologist Charles Murray, today poor people tend to not go to church any more.