Part of the point of BI is that you can do what you want with it. Yes, the poor would be disadvantaged by this. The solution isn't to take away everyone's abil

Part of the point of BI is that you can do what you want with it. Yes, the poor would be disadvantaged by this. The solution isn't to take away everyone's ability to take loans on BI; this would leave people unable to take loans on their BI once they've got a stable income. The answer is to educate, to explain that taking that lump sum leaves you unable to use BI later when you need it. At most, pass a regulation stating that loaners are liable if they don't make it clear that the loan is paid off with BI over the course of X years.