I can barely afford two required medications that I copay out of pocket (Walgreens), and the price of the expensive one just jumped from $22.50 to $38. Can't afford auto repairs, can't anything entertaining that involves money, replacing anything should something break or saving for emergencies much less retirement. I would like to convert my vehicle to EV (a-la Electric Samba) and add solar, but that's currently well beyond my reach. (My and others MPCs are higher because of inelastic demands to survive, not "avocado toast.")
Thankfully, propane is cheap ($9 every 3-4 years).
UBI will likely never happen because it reduces economic violence on those unable to earn more than minimum wage. Poor conditions, union-busting, minimal benefits and maximum productivity benefit the ruling class to extract more profit from people, keep people busy and keep them "in line."