Basic income does run the risk of causing ancillary money creation. People may end up lending more because they have a guaranteed income. For example, my country at one point introduced a tax credit for home loans, provided it was your only home, to incentivize people to become owner instead of renter and gain financial security. The net effect was that home prices rose to offset the tax credit, because many people lend at the upper range of their budget and suddenly that limit was higher. Basic income risks having a similar effect.