I completely disagree. There is no good reason for these people to need large sums of money. >then when large expenses come like bank overdraft fees Simple:

I completely disagree. There is no good reason for these people to need large sums of money. >then when large expenses come like bank overdraft fees Simple: ban them. These should not be allowed, ever. If the bank is too stupid to prevent you from overdrafting using technical means, then they should eat the loss. The only reason overdrafting is possible, in this age where no one uses paper checks any more, is because banks can make money on usurious fees. Ban them. >medical expenses Not needed. We should have single payer healthcare. >and general rainy day stuff Like what? The UBI is the safety net. Maybe if their car breaks down or something. Still, the whole point of UBI is to be a safety net; if someone is such a mess they need to constantly take out loans to try to get to work, then maybe they shouldn't be working a regular job at all. Ban payday loans and let them learn how to live on the UBI. It's not like they're going to lose all their money and be on the street; that's the whole point of the thing.