In other words, you can't go to your local library and access your account. You can't use a friend's computer. You can't use a school computer. You can't have your house burn down, buy a new computer and phone, then log into your accounts.
of course you can. You need to go read more on how it works. being ignorant of tech, especially security tech, in this day and age is not a good position to be in. suggest you read up on passkeys and security key and how they work.
next, i have no real method of transferring those credentials to another machine.
that is a feature. The whole point is the credentials are not transferrable therefore not subject to being stolen or reused elsewhere.
UBI in place of welfare? Sure, I could see that.
That's the idea: remove all welfare programs, put UBI in place. It'd also help reduce government size significantly, as not only would those programs all go away, but you also wouldn't waste money with a bureaucracy tasked with determining who is or isn't worthy of receiving it, which would be more expensive than simply writing checks with the same value addressed at all living citizens.
It's worth remembering that UBI was supported by Libertarians such as Hayek precisely because it'd provide the benefits (including social pacification) of welfare while simultaneously reducing big government and its penchant for dictating to people what to do and how to do it.
So just abandoned all the disabled? The veterans? The elderly? or do you think those Welfare programs are somehow just magically for people out of work? That is the huge falisy that people seem to make around UBI, i.e. that you can just use it to replace welfare. The reality is Welfare is not a single thing, it is a wide range of things that a UBI could never effectively replace and hence you can't say UBI gets rid of the need for a welfare program as it simply doesn.t
If you think the system is working, ask someone who's waiting for a prompt.
