Perhaps your original point -- that a UBI-like system would shift blame from luck/voodoo/society to the individual -- would provide societal pressure for individuals to take personal responsibility for their choices. That pressure might be a good-enough substitute for formal money-management education. It takes a village.
UBI should be simple. Tying it to educational requirements[x] risks mucking it up with special-interest agendas, much as any other condition would.
[x] You didn't say that individuals would be required to avail themselves of any UBI-related educational programs. But the entire program could be stalled if its implementation were conditional on the development of an educational program that established, once and for all, how a government believes its citizens should wisely spend money.
UBI should be simple. Tying it to educational requirements[x] risks mucking it up with special-interest agendas, much as any other condition would.
[x] You didn't say that individuals would be required to avail themselves of any UBI-related educational programs. But the entire program could be stalled if its implementation were conditional on the development of an educational program that established, once and for all, how a government believes its citizens should wisely spend money.