So what about the people who work part time and still receive a benefit? They are a taxpayer just like everyone else and should not have to have anyone tell them what to do with the benefit.
Centerpay already exists these days. A lot of real estate agents won't offer rentals to benefit recipients unless they agree to pay with Centerpay.
Centerlink also has measures in place for people who want to save up to pay their utilities.
I think this is enough. Leave it to be a voluntary commitment, so if it doesn't work out you can always change.
Besides, those who have bad budgeting skills don't have an excuse to fall short all the time. There are plenty of.organizations out there who will help you set up a budget that works for you.