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I think the solution is to both problems is that you "de-dollarize" major parts of the economy.

Instead of UBI as a bag of dollars, which landlords and merchants will immediately seek to plunder, you deliver highly-subsidized food, shelter, and rich public services. This is much harder to capture, and also has less of a ratchet factor.

Consider, for example, a universal health care component. The interest in more services and coverage wanes once it reaches a level of "good enough for most people." There may be some niche voters pulled in by "we'll also cover leeches", but most people will find those arguments uncompelling.

In the worst case, benefits do escalate, and you end up with more and more economic activity under government control, either as a direct UBI delivery system, or through ever growing tax rates to finance the subsidized programs. Which in and of itself may not be so bad. I know the entrpeneurship/free markets/self-directed mindset is very big in this community, but if the goal is maximizing quality-of-life metrics, this might be a viable way to deliver it. Ideally, we're all healthy, securely housed, and well fed, and our cultural-economic question becomes "how much of a discretionary hobby budget is $job_title worth?"



This is how it works in Cuba. You get a set of coupons each month for food etc




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