You and dragonwriter both bring up the valid point about adverse selection issues with free riders not pulling their weight. I knew that was a problem but didn'

You and dragonwriter both bring up the valid point about adverse selection issues with free riders not pulling their weight. I knew that was a problem but didn't know the name for it, so thanks for clearing that up for me. I'm wondering if it might be solvable via an endowment. So for x dollars of UBI, the organization would need to invest roughly 10x in stocks/bonds/mutual funds/etc (assuming a 10% annual return). We'd have to decide if shortfalls due to inflation/taxes/fees would be made up by donations or if everything should be self-funded from the start (which might increase the multiplier). I'd like to see a spreadsheet with projections on ROI and find out a typical multiplier. Obviously countless people would be on board if the multiplier is <= 1. But I'd like to see the formula for how much membership tapers off with increasing multiplier. Personally I can see living on about $24,000 per year in my city (assuming I really could live mostly off my greenhouse and not have to commute to a day job), so that limits people here to a multiplier of perhaps 2-4x with $50k-$100k incomes. I think it's conceivable to barely live on $12,000 which would be 4-8x. A 10x or higher multiplier is probably unsustainable. Which seems to suggest that UBI is not feasible until we have another 2-4x of GDP growth 30+ years from now, or redistribute income from the very wealthy to get us to where we'd be had income kept up with inflation. BUT that ignores economies of scale and the emergent effects of makers who are suddenly free to invent automated solutions for subsistence costs. For example I've been meaning to build a $1500 electric-assist solar recumbent bicycle from https://www.goldenmotor.com https://www.goldenmotor.com parts that would largely negate all my transportation costs. But I'm too busy with work to ever do that, so the opportunity cost of having a job is at least $100 per month in fuel, insurance, repairs etc on my truck. Not to mention the 10 hours lost per day in preparation and commuting to work that I could be applying towards building apps that would earn me a passive income.