[ddod]

UBI isn'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's value diminishes. In 20 years your brother'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.

[irishcoffee]

My brother _is_ most of our economy.

This was my whole point.

[ddod]

No, most of the US economy is service and office based. http://www.bls.gov/news.release/pdf/ocwage.pdf (see chart 3)