being time limited it gives you an actual hard value, so it becomes negotiable. I wonder if anyone will instead just use that to negotiate some credit at a favo

being time limited it gives you an actual hard value, so it becomes negotiable. I wonder if anyone will instead just use that to negotiate some credit at a favorable rate (say, 50k for those 60k) and actually start something greater than the expected subsistence. Generally speaking, this would probably be the most efficient use of UBI: you trade it all away as soon as you exit college and invest it in something. I can see whole branches of financial and life insurance services growing out of this market.