3 - we should also invest in educating people (so they make less bad investments) and fraudsters busting. These 2 measures together with the UBI itself probably have chances to minimize the number of broke people (nobody actually wants to loose money and be homeless, right? most of them will do their best to use the UBI to avoid that) to the the point when it's very small and only consists of really sick people. Then yes, we help them by putting them in appropriate mental health care institutions until they are ready to take care of themselves.