According to &quot;Debt, the first 5,000 years&quot;, that&#x27;s pretty close to how things worked in prehistoric societies.<p>Necessities were more or less shared communistically, while &quot;money&quot; was mainly used to elevate status within a social group.<p>There was little to no trade surrounding necessities.<p>Your suggestion might or might not be impractical, but I think the general thrust is correct.<p>If you provide UBI and people can have fines, interest, judgements, etc. levied against it, many predatory practices will render people destitute even with it.