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In principle, and even in it's intended general practical application, I agree with you.
But in America, I can see both parties getting on board with a UBI, only because they'll use it to gut all other social welfare programs.
UBI can't pay for both at once? Tough shit. We abolished EBT and Medicare to pay for UBI.
All must be won by struggle. Elites never surrender privilege only by being asked.
EBT is a flat 200 a month at most and the ongoing application process is humiliating Kafkaesque bullshit I wouldn't wish on anyone after experiencing it, so I think it would work just fine to shut it down and fold it into a UBI, would be nice and simple and without complications. Health insurance on the other hand, cost varies wildly by circumstance but is generally more expensive, and because of incentives, price negotiations, all the bullshit involved with the system would be way more efficient and cost effective to have a universal healthcare program instead of giving out money to buy into a private insurance industry.
Fortunately, this seems to be recognized in most serious discussions about UBI. Almost everyone quickly acknowledges that the idea of replacing healthcare programs in particular with UBI is stupid. The UBI proposals I've seen that got any attention were explicit that it does not replace those. I don't think it's realistic they would actually try to replace Medicare with UBI.