Income inequality (savers are from within the big earners group) coupled with automation of low-skilled work will lead to a society where capital is concentrate

Income inequality (savers are from within the big earners group) coupled with automation of low-skilled work will lead to a society where capital is concentrated in the hands of few (the high class), intelligence defines the middle class workers but a significant part of the population won't have neither the capital nor the work aptitudes to contribute in meaningful ways to the society. If most of our needs are covered by capital and robots, we will evolve to ensure a minimum level of services provided by the society to every human person alive (or else people will starve to death). Even their potential transition into niche areas with low skills and poor robot automation (e.g. arts and entertainment businesses) would require assets to sustain their education and living facilities. While I can see how the idea of minimal income might be controversial, I doubt you could fairly label it "incredibly stupid".