Wouldn't UBI alone - I mean full UBI, the one where you get basic income in addition to any other income - just cause the market to work around it, ie rent now costs $normal_rent + UBI, mortgage rates now take into account the UBI base etc? Normally, when I hear "just UBI", if I dig a bit, it means "just UBI plus a huge list of radical social reforms that would change drastically the face of economy".