I agree with your third point. People will take the money and make bad decisions and then ask for more. In US we have food stamp program to grant free food to people who cant afford it then why do people still beg for money. I have heard of people using food stamps program and sell them to store for cash and these types of fraud exist because people easily do them without getting caught. I guess we can apply technology to reduce this fraud as much as possible.
Another thing happening in US is the unemployment program and the Coronavirus relief program which pays unemployed extra $600/week on top of unemployment. This way they make more money than they used to when they were working. In this case their incentive is to just stay home and not work which is also not right as without essential workers in the service industry we cannot get work done and if we start paying them higher than they get with the extra $600 we won't be able to afford them to be hired full time or temporary basis. For example someone even earning the lowest minimum wage can make $800/week and that is about $42,000 annually so we sort of do have UBI currently happening and worth learning from that.
Another thing happening in US is the unemployment program and the Coronavirus relief program which pays unemployed extra $600/week on top of unemployment. This way they make more money than they used to when they were working. In this case their incentive is to just stay home and not work which is also not right as without essential workers in the service industry we cannot get work done and if we start paying them higher than they get with the extra $600 we won't be able to afford them to be hired full time or temporary basis. For example someone even earning the lowest minimum wage can make $800/week and that is about $42,000 annually so we sort of do have UBI currently happening and worth learning from that.