You're on target more than most probably realize. We would be better off with treating healthcare as a public good. People often go into poverty when they get sick in America.

Without fixing healthcare people would have to responsibility use UBI as a savings tool for medical emergencies or any other emergency that can result in financial problems and poverty.

People also forget that UBI is essentially printing money...an increase in the money supply equals inflation. We are already seeing what that is like...

I think universal health care is a better idea.

I would be an entrepreneur if my healthcare wasn't tied to my job. If you can still wind up in poverty with outrageous healthcare and housing inflation what good is UBI?