Given the that someone on BI has a guaranteed income, loans will be no problem and affordable. The risk being assumed by the lender is lifespan and capacity to

Given the that someone on BI has a guaranteed income, loans will be no problem and affordable. The risk being assumed by the lender is lifespan and capacity to live within your means. And if you get to the point where your cost of living and debt repayments can't be met by your BI, I guess you need to get a job, be institutionalized or declared bankrupt. Just like today. BI isn't going to replace prisons, mental hospitals, or rehabilitation centers (although it may provide a way of funding them, if for example you sign away a prisoner's BI to the prison).