Universal Basic Income: A Safety Net or the Future of Financial Security?
- Brandon Jamison
- Jun 22
- 3 min read
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Introduction:
As artificial intelligence, automation, and digital disruption reshape the job market, a difficult question is rising to the surface:
What happens when work disappears faster than we can replace it?
While many focus on reskilling, startups, or remote flexibility, there’s another bold solution being discussed:
Universal Basic Income (UBI).
At Surecurity Bank, we’re not just building tools to help people manage money—we’re also exploring the systems that might define the future of economic survival.
This article breaks down what UBI is, how it’s being tested, and whether it can realistically replace income for those left behind in the AI economy.
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What Is Universal Basic Income?
Universal Basic Income (UBI) is a concept where every individual receives a guaranteed monthly income, regardless of employment, background, or financial status.
There are:
No work requirements
No conditions
No application hoops to jump through
It’s meant to provide a baseline of financial security, so people can meet their basic needs—even in a world with fewer traditional jobs.
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Where Has UBI Been Tested?
UBI has moved from theory into action across multiple countries:
Finland (2017–2018): 2,000 unemployed citizens received €560/month. Results showed reduced stress, better health, and slight improvements in employment.
Kenya (Ongoing): The nonprofit GiveDirectly is running the world’s largest UBI pilot, with hundreds of villages receiving guaranteed cash for up to 12 years.
United States:
Stockton, California (2019–2021): 125 residents received $500/month for 24 months. The outcome? More full-time work, improved mental health, and stronger resilience.
Other pilot programs are being explored in Chicago, New York, and Denver.
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What the Data Tells Us:
Contrary to fears, UBI doesn’t make people lazy.
Instead, research shows:
Improved financial planning
Higher levels of full-time employment
Better mental health outcomes
More time for caregiving, education, or entrepreneurship
In short, UBI supports the transition—not the withdrawal—from meaningful work.
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The Real Threat: AI and Job Displacement
Today’s economy is experiencing rapid change:
AI is now writing resumes, answering customer service calls, even making financial decisions.
Self-checkouts, autonomous delivery, and virtual agents are reducing human labor.
Entry-level, repetitive, and low-wage jobs are the first to go—and the hardest to replace.
This is no longer a hypothetical problem. It’s a present and growing gap.
UBI is being discussed as one of the only scalable ways to support those who aren’t reskilled in time, aren’t hired back, or are caught in-between transitions.
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Is UBI Sustainable?
This is the biggest question critics raise:
How can we afford to pay everyone?
Here are a few proposed answers:
Taxing automation or AI profits
Consolidating welfare programs into one streamlined payment
Using UBI to stimulate spending and reenergize local economies
While large-scale implementation still poses challenges, early pilots show that smaller programs can be sustainable—and impactful.
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Why Surecurity Bank Cares
At Surecurity Bank, we focus on financial discipline, smart tools, and long-term planning. But we know:
Not everyone has the privilege of consistent income
Budgeting tools don’t work when the money isn’t there to begin with
That’s why we explore these ideas and ask the hard questions—so we can build systems that empower those who need more than just advice. They need a lifeline.
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What Do You Think?
If Universal Basic Income were implemented in the U.S. to support those without jobs—
Would it help build a more stable society?
Or would it do more harm than good?
Let us know your thoughts in the comments.
We believe your voice matters in shaping the future of money.
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Call to Action:
👉 Join our waitlist to access tools that help you lock your savings and protect your progress—because real change starts with real control.
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