Insurance. There has to be insurance, and it should be part of BI. So Basic Income & Insurance. BII. If someone keeps making claims, then they should be invest

Insurance. There has to be insurance, and it should be part of BI. So Basic Income & Insurance. BII. If someone keeps making claims, then they should be investigated for insurance fraud, and processed accordingly. As for people wasting their income... This shouldn't be a concern for any BI system. The system distributes basic income. What people do with it should be up to them, just like they are free to spend their pay check as irresponsibly as they wish. If there are specific cases where someone is mentally or physically incapable of responsibly converting income into basic necessities, we could let there be basic shelter and food (what homeless shelters are today) and have those expenses deducted from their BII.