Thoughts on focusing on sliding-scale financing instead of UBI? That is, the disadvantaged can finance businesses and arbitrage at cheaper rates than you and I

Thoughts on focusing on sliding-scale financing instead of UBI? That is, the disadvantaged can finance businesses and arbitrage at cheaper rates than you and I can? Think of the successes of micro-finance. The point being that sliding financing incentivizes but does not eliminate risk. Because, no risk never reward.