I have seen research into happiness and lottery winners as well as former olympic athletes.
What is shown is when a millionaire earns his or her money over time and sacrafice and risk, they have a higher satisfaction and happiness and pride than if they won the lotto.
Sure some people might start a business. I would if I won or at least try to form an idea I had in 2010 and take a look if it is even feasible. But more than likely it will fail compared to if I invested out of my own life savings through blood, sweat, and tears.
In essence yes I would work harder if I earned it vs if I had it. That is what the study fails at showing.
I am in favor of a Star Trek TNG like economy since I was a kid wher epeople are scientists, coders, artists, or doing jackly sh** with their lives in peace. But we need replicators, free energy, homes, and a system to distribute things. We do not have that in the early 21st century, so we have to suck it up and work and cross our fingers and provide to our economy if we want to get anything back from it. We are not there yet as all UBI will do is inflate prices not seen since Vennuzeula as entry level work will need to entice people to get off their couches.