Two things. At 65 I'm applying for a job for the first time in 12 years! As a man I have had the luxury of being married to someone with better career prospects than me so I put my career on hold (p.s. there is no such thing - it's dead in the water) to do family things. I've done a great job. I've contributed to society and done it in a selfless way. All those girly things like PTA, cake stalls, committee meetings ... and my peers have thought I really ought to get a job. Well, fuck off is the expression that comes to mind. I am now going to get a job because I am bored, not because I feel I should contribute - I've done that. And I don't think I am exceptional. People get bored and contribute independent of reward. So I'd suggest UBI is the answer to many of our woes. Everyone gets to do what they like doing; if you're indifferent, but like the things money can buy you'll do the crap jobs if they pay enough. What is more, with guaranteed income and proportional tax on other income, businesses would get a few more people willing to work for a "non living wage" - too few hours or too low income to live on, but enough to play the pokies or a good night out. And there would be no need to think about welfare or pensions. Sure a percentage will not lift a finger, but let them. They are a drop in the ocean compared to the "financially independent", the "house wives" and "pensioners" who can already do that if they wanted to.