To be fair I don't think UBI is unique in this problem. Even traditional assistance programs struggle with this problem. It would be wonderful if we had some mechanisms that helped people become self-sufficient but that seems to be a very much unsolved problem.
I don't think UBI will be much better at this but the argument that it could be more efficient (i.e. provide the same level of support to more people at the same cost when compared to traditional assistance packages) is what continues to intrigue me about UBI.
I think that relies on a definition of "innovation" that is not proper.
What does "innovation" mean?
We already have restaurants. If you open another restaurant have you done anything innovative at all? Most likely not.
You're not going to develop the next generation of microchip in your basement. Multibillion dollar industrial plants are beyond the means of an individual who depends on UBI.
So what kind of new development are you likely to actually create?