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How to build a well-designed national basic income program – at half the cost
(policyoptions.irpp.org)
this post was submitted on 10 May 2025
60 points (95.5% liked)
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Not super well informed on the subject, but the idea is that money looses it's value the more you have. If you're struggling to make ends meet, even a small amount of additional income helps a ton, but if you're already stable, that same amount is inconsequential.
Now for the increase in prices, again "cost of living" is not a single thing, so it can't increase uniformly across the board and affect everyone the same way. The various products have to stay competitive with each other and your local farmer doesn't suddenly need more income either. So I dont expect essentials to get a massive price bump. The one thing we have to be careful with is rent, and that's already an issue.
We need to ban (or tax out of existence) the concept of owning a house you don't stay in. Landlords should be illegal, what value they provide to society is so marginal and so minimal that it would be an overwhelmingly net positive.
That tackles one of the largest worries against a universal income.
Rental housing makes sense for people who aren't intending to stay where they are in the long term (young single people or people whose situation is in flux in some way). If you're expecting to move on, lumbering yourself with an expensive asset that will take years to pay for and may require months to unload when you no longer need it isn't smart.
It may make sense to restrict rentals to multi-unit buildings, and also restrict the number of buildings or units under the same owner, but having none at all causes more problems than it solves.
Sure, we can allow some small percentage of the overall housing to be owned by businesses whose sole purpose is providing a good rental housing experience for those in transit. But that's fundamentally different than parasitic landlords whose only job is owning a property and periodically scheduling the cheapest maintenance workers to do actual work they can.
This isn't your governments legislation branch, I'm not proposing a 100 page documentation. I'm simply suggesting a policy direction which is housing should be for housing, not for investment or for rent collection. If someone makes money off of someone they should provide a meaningful service and I think if housing wasn't an investment vehicle the entire system would look so radically different people can't imagine what a system without some landlords existing would look like.
Imagine everyone owned their house, it wasn't expensive, selling one was like selling a car, but you could sell to the government if need be at no meaningful loss and the government sold them back to people like a service for just such a situation.
Idk man, it's not that hard.
Housing is one of the most expensive purchases most people will ever make. Are you saying everybody must be able to commit to that to have a place to live?
Imagine if owning a house was the same price as buying a car. That a loan was a 3 year ordeal not a 30.
60 years ago a janitor salary could buy a house in their 20s. Landlords only making house more expensive, not less - and exponentially so.
That’s an issue, but it’s not the whole issue. You’re not going to get a reasonable home down to the price of a budget vehicle. It’s not just home prices alone that have gone up over 60 years, it’s most essential goods combined with stagnating wages that means people need to spend a greater portion of their of their income on basic essentials and don’t have as much left to save for future big purchases.
Don’t get me wrong, homes need to be more affordable, but arbitrary reductionist ideas like let’s ban landlords don’t really work.
Some other ideas might be to increase minimum wages, yes this increases inflation but the people at the lower end of the wage scale still come out ahead. Have a crown corp for housing, even if it needs to be subsidized. Give people affordable and reasonable quality options and make private industry have to compete against that. Some better benefits for tradespeople, like lower the exemption on the trade tools tax credit to make construction more affordable. Though there’s a weird thing that happens where companies bring in big crews of apprentices for cheap labour and then lay-off the journeypeople so they don’t have to pay Journeyperson wages. I guess this keeps costs lower, but it’d be nice to see something combat this so there’s better job prospects for people that complete their apprenticeships.
You're saying a large complex issue has many ways of tackling it to improve it? And that some random 3 paragraph response suggesting we improve the system by trying anything isn't a full write up on the exact policy choices we should implement down to the letter of the law?
/s
Yes, obviously improving wages would help people afford things. Yes, helping construction workers improve their process would help make housing costs cheaper. There's a thousand easy to implement ideas that would help the problem. ONE of those is "don't treat housing like an investment vehicle akin to stocks". Housing should be for housing, not for the wealthy to make a steady stream of income off of relatively poorer people. Landlords serve no function except for in a society where owning and trading homes is an expensive, slow, and bureaucratic process. Landlords are simply a means for money to transfer from the less wealthy to the more wealthy. They are an unnecessary cost that inflates the price of housing to the benefit of an extremely small number of people.
To be extremely clear, this is not the only solution. This may not even be a silver bullet. I am not listing the 1000 page legal proposal you can implement in your country tomorrow. My goal is to simply shift the common perception of landlords from "they totally have to exist and wow I love giving them money every month for absolutely nothing - boy owning things sure seems like a burden, thankfully I'll never have to worry about that because I couldn't afford to own something even if I wanted to" to "of course landlords are bad for society." Or even "landlords are by and large capitalistic parasites that slow progress towards a more equitable society by draining people with less wealth of their means of becoming wealthy. Society doesn't need them, even if you can think of reasons to have temporary housing there are better means than some rich person raising the rent every year on you."