Everything Evil says makes sense in a post WWII America, which was a thriving Economy with sufficient oversight and regulations to transition into this UBI and spreading the riches around to use a common phrase. Now, the chasm between this theoretical policy and what is happening is so incredibly wide.
The Stock Market has morphed into a true gambling den for the rich even while giving some relatively meager morsels to the masses. Predatory lending has been the norm for some time. That is because lending is way too profitable to exclude almost anyone. If a Banks makes a bad loan it hardly faces any negative consequences. Either the debtor is forced into bankruptcy Court and still forced to pay off his loan or the Loan is sold off in the Stock market in some exotic derivative instrument or junk bond or whatever, so the original Bank passes off the danger of being left with a loan defaulted on.
At a deeper level, I do believe that the Big players know that the inherent presumption of modern day Capitalism that growth must and will take place in the Economy is NOT compatible with the now evident limits to growth and poor economic fundamentals. This is partly due to structural deficiences which Capitalism itself has facilitated in coming about. Deficiencies such as low wages, too many part time jobs, not enough domestic job opportunities etc. All this a product of seeking a greater return at the expense of the workforce. But also, limits to growth as the energy system is no longer allowing as much Net Energy into the greater Economy. As certain resources are more difficult and expensive to obtain and as whole countries are forsaken and exploited to the whims of a voracious elite wealthy class leaving less for the masses.
So in summary, the rift between the ideal and the actual is getting ever wider.