But think about this: if you're a startup founder, you can get co-founders for so much cheaper and more easily. If your buddy and you both know you have UBI, you can start a business without risking that much. The next hires can be lured with equity - this is a great thing because people have emotional and professional ownership in startups, but the one to three founders generally have all the equity. What if UBI forced those founders to both distribute equity and alongside that, the responsibility for the company? I think it would benefit all parties. Talking to founders, those first months and years are stressful as heck - I would wish that on nobody for any price. We can do better.

Think about startups before financing. Loans with interest used to be considered immoral - it's prohibited in the Bible. If you wanted to start a business, you had to save or find a lender that would let you take money and then just wait for you to give it back. And if you didn't pay it back, the lender could put you in prison. No wonder people didn't do that very often. Even with these new ways to fund a startup, you could lose your job and with it your income and healthcare coverage. What if that risk just went away? Of course some people would waste it, but think of all those folks that would turn their lives into hackathons until they struck gold.