I don't have to have the answer to point out UBI is not a solution. An argument against UBI is not an argument for the status-quo. Big problems exist and need to be solved.
The problem is no matter how much or what you feel about this reality does not magically create more resources. Good intentions can have disastrous consequences often larger than the original problem that act was attempting to resolve.
You act as if we are operating under true "free market"capitalism, but we are not. Government and industry collude to minimize competition for certain oligarchs in exchange for offering the state access to its infrastructure and work around constitutional protections from government by operating within a private entity.
Your "bottom up" approach, while superficially I am sure feels quite noble but if you were to implement it you would create more suffering than you could even imagine, including for those you claim to wish to help.
We need to hold criminals within our government and infrastructure accountable. Enforce existing laws. We do not need to resort to a post modernist deconstructivist approach to every problem encountered.
RE: The Monsters, Inc. Argument for Unconditional Basic Income: How to convert an economy based on fear to one based on joy