UBI has issues, but there's a better solution.
The NHS has not made me particularly careless of my own health.
But it did de-risk at least one aspect of launching my own business.
And that's the point.
UBI frees people to fulfill their actual potential, without having to worry about failing.
Still, I don't think UBI is the right solution as it puts you at the mercy of the state.
Far better is a model around capital homesteading, whereby you gain an actual ownership of the services you use over time and derive an income from it. Think about it like this - every month you pay for your mobile phone contract. And in return you get a phone line + a tiny ongoing share in the business' profits. Over time that accrues and you start to build an equity stream.
Like a mortgage instead of rent: over time you accrue equity.
It's not a new idea, but it is a good one. Like UBI, but without the need for an all-powerful state, a revolution or a 'big bang' change.