HI Dan, anything that is centralized is more efficient. This efficiency is appropriate for business, but NOT appropriate for government. This sounds counter intuitive, but the main argument for me is too many people see the government as a nanny. Instead of UBI: I would support eliminating the Federal Reserve cartel. They are the lynchpin to ALL of our problems, because they control everything. Question: is their a crypto/ blockchain/ currency sharing platform that could allow investors/ users/ to share the common interests payments?