> almost everyone already has a home
> My personal doubts on Basic Income is that people would use the money any more effectively than they do their present money
I am not so sure your statements here are accurate. There are roughly 600,000 people in the US who are homeless on any given night (the number who are homeless at some point in the year is much higher). That doesn't include the huge number (probably several times as big) who are "couch surfing": staying with family or friends because they have no housing. And a huge portion of these are children; I doubt these children have sufficient income for a home.
As for your second statement, I cannot point to specific statistics, but all of the information I have seen suggests that most poor people are actually extremely efficient with their money -- that the problem is mostly one of not having enough income, not one of poor spending choices.
And it is because of these that a basic income program (or "citizens' dividend") would, indeed, make a difference. It would actually change the income distribution by setting a floor on the minimum amount of income any particular person can have.
[1] https://www.hudexchange.info/resources/documents/ahar-2013-p...