Answer:
C. Income
Step-by-step explanation:
Not a: Insurance doesn't pay for the most basic needs. For what they do help with (housing and cars most common), they are not required.
Not B: News doesn't help provide for basic needs unless you work for the news.
Not D: You can't use checks if you have no money. If you have money, it's not required to use checks.
A: Income is what you get paid for a living. You need money to pay for all that's listed.