You don't have a very solid understanding of UBI. I don't disagree that the way we create money currently is nonsensical, but your aversion to UBI is based on a lack of knowledge.
For example, you listed inflation as a major barrier, which shows you don't understand UBI as a transfer of existing money, and not an inflationary model of monetary expansion. Yes, everyone receives UBI, but everyone pays for it too, so it's not at all a "free lunch", it's just a lunch that people pay different amounts for depending on their level of income and wealth.
It's helpful to think of UBI as a fully refundable tax credit paid for by the elimination of many welfare programs and also many existing tax credits. We can simplify what we're already doing in a way that makes more sense, reduces the size of government, and improves outcomes.
A lack of money is a big problem. It's expensive. It leads to sickness and crime. It distorts markets. It prevents entrepreneurship. It also reduces the customer base which is bad for businesses.
I really suggest looking into it more, and questioning what you think you know, because what you know is severely lacking when it comes to UBI.