Being in crypto for a while. I know how much damage to your live may be caused by sudden unexpected inflow of cash.
Thinking about this more I came to a certain conclusion. I think that issue may be solved by contract platform like ethereum and others similar.
This service may work as follows: let say I put in a ethereum contract quite a big sum of money . Contract works in such way that it is using this money to pay gradually over constant period of time small sum to specified address. Contract is doing so until it is exhausted. It works like retirement fund.
Although it seems there is no visible benefit to that, from my personal experience it give you great tool to control our desires, by putting some delay mechanics to riches you have
Implementation seems to be easy, so in not so distant future I plan to implement such contract for personal usage
Interesting idea. It reminds me of when the lottery gives a winner the choice of one lump sum or small payouts over time. One question I have would be how would the person using your contract idea would be able to decrease, increase or stop the flow of income? Would there be a mechanism in place where the person using your contract could implement a command where they could not alter the income stream for a certain period of time? Like if someone wanted to have steady payouts for 6 months at a time and every 6 months they were allowed to alter the contract to increase or decrease the payments. I guess I'm thinking about this as more for someone who isn't very good at or not used to managing large sums of income and they don't want to spend everything they have in the first week, then your idea could save them from themselves.

everything is possible (platform like ethereum are very flexible) but the question is what is really needed in this kind of service. In my opinion, one has to keep it as simple as possible in order to be effective
EDIT: as an afterthought I may say that some of your ideas or their variations may be quite worth of implementing