I think the ones who need money the most are the ones who benefit the most from it.One thing about UBI that also doesn't make sense to me, is the need for money at all
About 97% of money worldwide is created as debt by private banks. Today, the global debt is close to $250 trillion. It means that, for an average 2% annual interest rate, private banks extract about $5 trillion dollars ($5000 billion i.e. 150% of the US federal budget) from its debtors (public and private institutions + individuals).
Imagine all the problems mentioned in this thread that could be solved with such a huge amount of money. For example, the cost of ending world hunger is estimated to be $30 billion, i.e. 0.6% of the amount mentioned above.
This situation is historically all the more striking because:
1/ for centuries, each state had the monopoly on creating its own money (because in the end a national currency is the reflection of the value of the nation)
2/ for millenia, interest collected on debt (usury) was legally and morally reprehensible. It was banned all the way back to Ancient Greece and this lasted until the XVIth century. It is still banned by the Catholic canon law.