One thing UBI can not avoid is people making bad decisions. Specially lower income people. If we eliminate all public and often free social services and hand o

One thing UBI can not avoid is people making bad decisions. Specially lower income people. If we eliminate all public and often free social services and hand over the money instead, I doubt a lot of people will save for retirement or pay for education. Any long term investment is counter intuitive and if it's on people they will likely avoid it. A good example of this is 401k contributions. When employers have default contributions people do it. Of its opt-in most people don't do it. There was a study for the iirc