There is an interesting, well-funded startup tackling this problem: https://www.earnin.com/ https://www.earnin.com/ I am not affiliated with this company, just

There is an interesting, well-funded startup tackling this problem: https://www.earnin.com/ https://www.earnin.com/ I am not affiliated with this company, just like their idea a lot for all the reasons mentioned in your post. Obviously they have to make money and presumably take some cut or added fee for providing the service of getting you paid before your employer does it, but at least they shorten the time between work done and getting paid.