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A UBI is a necessity for societies going forward.
Basically, wealth inequality is so bad now that our economies and societies no longer serve the majority of people's needs.
So wealth redistribution is required to fix the problem, the question after realizing that is how to go about it.
We can do a one time redistribution of wealth, but without fundamentally changing the system with regulations, incomes will inevitably become imbalanced again. This is what we did after the Great Depression with the jobs program that was the national parks and highway/railroad projects.
IMO it's better to just stop treating money like it's harmless to allow excess accumulation. It would be better if all wealth were perpetually redistribed via a UBI, this would permanently maintain wealth equality. This is similar to what we did after the Great Depression in regards to corporate tax rates and setting a maximum profit.
UBI is the new hotness in terms of popular modern means talked about to undo the ever-growing wealth gap, but it is completely untested in the real world. It has challenges even on paper, including the ones I alluded to above involving being exceptionally susceptible income uncertainty and government corruption.
And you are right to point out that anything we do now to correct the wealth disparity problem is wasted if we don't do enough to prevent another regression back to this same state again. I'm sure UBI could work under the right conditions, as well as many other solutions, but the real success or failure of the program will be measured based on how well and for how long it can resist attempts to dismantle it by bad-faith actors.
I am pretty sure there's a lot of agreement here on the core of the issue, I just have doubts about UBI because it puts the fate of the most vulnerable citizens with the most easily-ignored political voice even more into the hands of their government, who often do them dirty.
It's been tested dozens of times, and every time it is tested, it shows people are happier and healthier, and so is their community.
So it does work and is possible, and it would fix a ton of problems.
I think absolute ceilings and floors on income and wealth will be needed. The wealthy are basically black holes that destroys everything within reach, if given time. Preventing such singularities of excess will have to be through a system designed to give everyone UBI, while making jobs rewarding but with a fixed scope of wealth accumulation.
IMO, a system of classifying entire job classes, and giving them a fixed income rank, would make it harder for wage theft, hoarding, and corruption to happen. By making it so that everyone of a job class has a clear income regardless of location or hours, it will be easier to track who is unnaturally wealthy, thus their hoard can be more easily confiscated before it can do harm to society.
Also, through having fixed incomes, it might prevent inflation. Sellers will have to price according to income brackets, otherwise their goods cannot sell easily to a demographic. In the rankings that I proposed, a basic worker has $30k, while the highest earners get $60k after taxation. This essentially means that CEOs and other high-end careers are only double the value of a waiter's income. Goods will have to be priced accordingly, making it harder for inflation to take place.
I personally don't think it's healthy for a society to force a caste system like that. And I'm not really sure there's truth to the "if everyone gets paid the same then nobody will want to be a Dr" argument. People would still probably pursue more difficult work even without a profit incentive.
People absolutely pursue difficult work without the extra pay. Cuba has always had plenty of doctors .