>Anyone getting basic income should be completely free to spend it any way they want. Such as to pay off a loan? Therein lies the problem: if you make it illeg

>Anyone getting basic income should be completely free to spend it any way they want. Such as to pay off a loan? Therein lies the problem: if you make it illegal to lend money explicitly based on BI, and the debtor pays with BI, who is liable? And if someone is liable, is the debtor truly free to spend BI as they wish? If nobody is liable, then what stops me from claiming that my BI is instead my paycheck, and then taking a loan based on it?