Over the years, I have thought a lot about work and money. IIRC, about 2/3s of lottery winners are bankrupt within five years. I suspect part of the reason for that is because in modern culture, most people spend their waking hours in one of two modes: 1) Working (aka earning money) or 2) Consuming (aka spending money). When people win the lottery, a lot of them quit their jobs. They now have an extra 40+ hours per week that they need to somehow occupy themselves. They think of themselves as "rich," so they spend those hours consuming (spending money) instead of engaging in low cost/creative hobbies, like cooking, gardening, sewing, etc.
As our income has gone up, one of the side effects is that we want bigger homes, more clothes, etc etc etc. If you tried to recreate the lifestyle of, say, 1950s America, with a modest home and home cooked meals (etc), you could probably drastically reduce the number of hours needed to support yourself -- assuming you could find ways to fill your time that didn't involve pissing away the money you do have.
Most people do not have that kind of self discipline. That isn't something policy will create. That isn't something an app will create. There are ways to shape policy to make more small scale, affordable housing available. But, for the most part, making this happen on a large scale and not just for the occasional quirky individual (as it currently happens) would involve somehow radically altering the world's culture.
As much as I think it would be awesome if people in the world generally had more free time hand-in-hand with more financial security, I have significant reservations about the wisdom of attempting to convince people to do what it would take to make this happen. That tends to be in the morality/religion/ethics/culture area and that is very dangerous ground to tread. Historically, it has tended to be the domain of religious figures, many of whom ended up dead at a young age via methods like crucifixion or being burnt at the stake.