If your income drops below 404.00 Euro per month plus rent in Germany, you get the difference. Nobody will become homeless, nobody will starve. At least in theory. They will bug you to get a job as quickly as possible, make you do courses to improve your skills. The authorities are said to be kind of control freaks, supposedly to avoid abuse.
So it is a basic income. Universal? Well, the authorities won't just let you develop you new product idea for two years. If you don't try to get a job, they will bug you a lot. If you don't play by the rules, they can even cut some of the benefits.
So maybe we should just add a program that allows you to ask for benefits for a certain amount of time so that you can develop a business idea. Maybe there are already things like that. You certainly can get support if you want to educate yourself, attend a university and so on.
Whether this "solves" anything depends. Initial experiments are very limited, but fairly positive. Giving money to people in rural India may not translate too well to giving money to people in New Delhi, much less people in Cleveland. But I think it's worth a try to see how things work out.