[calvinbhai]

Not sure if you are from India or not, but it looks like you are not aware of how banking has improved in India.

Dumbphone banking is possible for more than a billion people (as long as they can afford a dumbphone service and have Aadhar - biometric ID). I say billion and not all Indians, because there's < 300 million Indians who are yet to get their Aadhar ID cards. With UBI even the poorest should be able to afford a dumb phone and a phone service.

India has all the needed infra to dispense money to a billion people. All it needs to ensure is, if UBI is implemented, remove every single subsidy thats currently given.

What would be worse, is to have a haphazard implementation of UBI without removing subsidies, and people revolting at removal of either of these schemes.