Whose fault is it then? I mean if we agree that some governments/organizations are more efficient than others who else could we blame?
>UBI replacing many systems
For instance the British government spends about £2500 per capita on welfare. Even if admin etc. would cost nothing £200 per month is not exactly an amount which would allow you to not work, meaning people who can't actually work would starve/freeze/etc. to death without any additional support from the government or somebody else.
Look I am not a political philosopher, not even close. But I can refer you to Robert Nozick's the Minimal Estate. I am not sure I agree with everything he says there, but I think he describes interesting points regarding govnmt efficiency.
For fraud issue you have the bank or banks running the program handle fraud per normal procedures and the government steps in to prosecute people who abuse the system as they do in present situations. The program loses no more than a normal bank to fraud and covers losses from fraud by investing deposits in safe securities.
You can just give everyone an equal amount of cash instead but then disabled and other people who are unable to work would starve to death unless there is massive increase in taxes/redistribution.