The bigger issue is that stressed people work less effectively.
If people are stressed about day to day living costs because they don't know if they'll even be able to get by, then that will be on their minds at all times.
Giving these people an extra few days off a year (or more WfH) doesn't fix this - although it works well for people who are not under costs pressure at other times, if you can't afford to give a pay rise.