Living in poverty is expensive and stressful, and can trap you into staying in poverty. You become desperate, and make very suboptimal decisions. You get rewar

Living in poverty is expensive and stressful, and can trap you into staying in poverty. You become desperate, and make very suboptimal decisions. You get rewarded for short-term rewards. A good example would be jobs. If you could dedicate all your time to applying for jobs, you could maximize your salary - but what poor people can afford that? So you take the first and best job you can find, as you need the money now. 6 months without pay is an eternity. If you're poor, you can't really go longer than 2 weeks without pay. And when you're shit out of luck, not a single cent in the bank (negative balance, even, with the overdue fees running) you start to look for expensive loans to float you. Payday loans, expensive credit card loans, and what not. You get hit with late fees for every bill you can't pay on time. Things which are somewhat affordable early on - like getting cavities in your teeth fixed, become horribly expensive down the road. Those are just one of many, many things. And we haven't even considered the physical and mental stress - the first and last thing you think about, is money. At least UBI, or some similar system, can remove some of those stressors.