I'm disagreeing that "the average american has a six figure debt load" is a problem to begin with. if you take the total outstanding consumer debt in the US and

I'm disagreeing that "the average american has a six figure debt load" is a problem to begin with. if you take the total outstanding consumer debt in the US and divide by the number of households, you get about $110k for the mean, which is pretty close to the median household net worth. unless the distributions of debt and net worth look quite different, this implies that a typical household has a debt-to-assets ratio of <0.5. this doesn't strike me as a problem. this is independent of whether I think UBI is a good idea in general (I do, actually).