Of course I am being flippant, so thanks for your thoughtful response despite that.

I don't know what you mean about wealthy getting first dibs on money (if I am lending to someone why would I care if they are wealthy or not [aside from risk considerations]?).

My argument is simply that we cannot afford it. Any Ubi is either too low to live on or unaffordable. Want to give everyone 20k per year? In America that would cost about 5 trillion per year.