I don't actually think it's that bad but I was trying to steelman your argument. The hypothetical presumes a terrible job with not enough pay to make up for it. The kind of job that someone would only take if they had not better option. If the job isn't that bad, or it pays well enough I think people will take it despite not needing it to make rent.

> you do it if your take home income was reduced by 50%

I don't think that would happen because UBI is supposed to be replacement for all other forms of welfare and I would also expect some small gains in reducing the prison population, and administrative overhead. But to answer your question, yes. Government already takes >30% right now and because of the U I'm getting the benefit as well so that covers a good chunk of mandatory expenses. In a very real sense I need less money under this system.

I'm not really sure how to answer the retirement question because under this system I can't "just retire" because my lifestyle wouldn't permit it.