Within a few years I think UBI or UBS will be required for people to continue living, in which case basic needs (bills) won't be a concern. There's just no way for us to transition fast enough to avoid high unemployment as AI replaces large swaths of jobs. I do worry about the ~10 year transition it will take for societal governments to react.

This strikes me as wildly optimistic. People aren't going to be able to live on UBI at a level where massive political and social unrest is averted unless it's like $2k per person per month, minimum. And I'm skeptical that the US government is going to start printing $8.5 trillion dollars of UBI in the next decade.