I'm sure it's a consequence of playing on long life, but I usually don't have an issue setting up spares in decent houses (sometimes I have to build them because MCCC has filled up all the suitable ones and I don't want to kick a family out.) with a reasonable amount of seed money.
Of course, I could just as easily send them out into the world without money (and will do so if it suits their story, but it usually doesn't) as once I move the spares out, I leave them to the mercies of MCCC and remove them from my played households.