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Also, how exactly does this differ from giving people cash? Is there some limitation that my donation can't go to the people with SSN ... charity? If so I fear that the rules about what qualifies as a valid cause really are doing all the work and that's no more democratic than it was before.

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The idea is to restrict the funds so that they can't be used for purely self-interested purposes. E.g. restrict to registered charities from which one receives no direct personal benefit (I think there are already similar laws in place governing the eligibility of charitable tax deductions). There are certainly big, important questions surrounding the precise specification of those rules/limitations.

One advantage of charity vouchers over basic income is that (if designed successfully) plausibly more of it would end up going to global causes rather than domestic consumption.

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