This seems to be a topic that invites debate. Some argue that a reduction in credit (i.e., bank money) plus modest increases in savings would largely offset any increase in the money supply that might otherwise result from a UBI. If we have a problem that there is no clearly no best solution to, but rather a choice of imperfect solutions giving roughly the same result, then I would prefer the least complex.
The 20/21 Coronavirus stimulus checks and free money loans were basically Universal Basic Income....and the country turned to shit quickly. People got greedy, arrogant, acted stupid, etc
If no one has a job in 25 years time (or sooner) because of AI. How do people qualify for mortgages? What will that do to home prices? And how can people pay high rents without a job. Rents will have to come down as well. And what happens to the stock market when no one can invest 15% of their pay check into the stock market each month because they no longer have a pay check?