I think that UBI and capitalism are helpful, BUT the latter should solely be for luxuries, such as McMansions, vacations, gardening, media, or Ford-2500 mega trucks. Capitalism is horrible at caring for society, but is excellent for fostering individuality. Problem is, our overlords conflate society and individuality as being the same.

What we need is to prevent necessity and luxury from mixing. Money should be purely for upgrading lifestyle, not a determination of whether you get to eat, rest, have family, or receive healthcare.