UBI isn&#x27;t supposed to fix the problem of money mismanagement. If everyone was spending up to their means, that would be a success because the economy would be flourishing. If they were putting that money into savings, the experiment would be a failure. UBI is designed to solve for the future economy where human labor&#x27;s value diminishes. In 20 years your brother&#x27;s welding job may still be paying but whatever job you (or your children) do on a computer will likely be much better handled by AI. UBI is to bail you (and most of our economy) out, not necessarily your brother.