With 80+% of people who need/seek charity, it's some combination of bad breaks and bad choices (theirs or their parents). I give to the World Food Programme cause it benefits people who never had access to a good labor market. But even then, I have to wonder, if you live somewhere live Syria, why tf would you have kids?
On the flip side, when people have plenty of money to spare, it's almost always a combination of good breaks and good choices. So we need to pay our good breaks forward, not just judge people for their bad choices.
UE does require you to be applying for work. The times I was on it, they only required you apply to two places per week, which seems way low. UE isn't designed as a safety net for people who can't even find a minimum wage job. Aside from helping people out, it's meant to avoid downward pressure on wages and a demand deficit, which could lead to a deflationary spiral like that of the Great Depression. And employers are wary of hiring someone who would be taking a big pay cut, as they are likely to quit in a few weeks, when they get an offer more comparable to what they use to make.