it's just much effective and simple for artificial intelligence to just kill most of us...

Why would AI do this? People seem to think that AI is going to operate like humans do. AI is intelligent...people, for the most part, emotional. It is people's fear that causes them to act the way they do. It is also what causes their decisions. AI will be more like Mr Spock than the terminator. Yet people still believe AI will be emotionally driven because we human being are.

As for government, they will not be standing in 20 years. Blockchain is going to wipe out that entity (or at least radically alter it) completely. Look at Estonia and what they are doing. People are going to have a lot more choices.

As for the death of humanity, a basic income isnt going to kill people because believing that it makes people lazy is not supported by evidence.

The only way to stop this is to keep ourselves sharp and useful, better than machines by studying and specializing in high technologies

How does one do this when she is working two jobs as a single mother to make ends meet? Or how does someone in a crime ridden area who has to engage in illegal behavior to survive? The challenge with this view is the idea that most people have the opportunity to begin with followed by the ability.

Do you really think that woman trained as a paralegal or that car sales person is going to start to take up coding?