Maybe a Universal Basic Capital Endowment of (say $100,000) at age 18 and some kind of small, guaranteed ($500/month?) retirement income after working age (65yr

Maybe a Universal Basic Capital Endowment of (say $100,000) at age 18 and some kind of small, guaranteed ($500/month?) retirement income after working age (65yr?), would serve society better. It could be used to cover college, start a business, some technical training, or invested for income or growth. This endowment event would be a good signal for the transition to adulthood and give imputes to society and parents to prepare children to be ready to control and look after a large chunk of capital.