I suppose it depends on your country, but in the U.S. your income would never be garnished to the point that you couldn't afford basic living expenses. Most UBI

I suppose it depends on your country, but in the U.S. your income would never be garnished to the point that you couldn't afford basic living expenses. Most UBI schemes pay below the poverty level, which means it's unlikely your UBI payments would ever be taken to pay down debt. IOW, you're absolutely better off with UBI and massive debt than you are with no UBI and no debt.