UBI by itself doesn't solve any problem. The idea is that you have access to some minimum necessities, where the UBI facilitates.
Right now people have crippling debt, cannot recover from any serious unanticipated setback, and we wonder why morality and compassion have left the world.
Why advocate for ubi versus a debt forgiveness program (since you mentioned debt)? Or do you support a range of these policies? And what boundaries would be established to account for personal responsibility in debt accumulation?
Finland tried to study this a few years ago and if I recall correctly it was cancelled not even a year in because of how unpopular it was. Then it's a true waste because they didn't even get useful data, I was disappointed.
I’m not too clued up on current thinking on UBI but I do remember reading about some trials demonstrating that it lifted some out of homelessness and into part time work (and then later full time work). It was just enough to cover basic rented shelter and the securing of an address enabling them to take on part time work (the same part-time work alone was not enough for shelter and food and was often impossible to secure without an address). Employers also benefited as more people were willing to take on those part-time roles. UBI is not meant to fund a lifestyle but to give a leg up. (Everyone gets it too, rich and poor but you opt out if not needed). Funding it is the issue - the trials were conducted in smaller nations too. (Finland/Norway if I recall).
