It's very idealistic to think that giving a household the cash will give them the opportunity to organize it all and use the money maturely on their own. When you're living check to check, for many people that means that they don't have legitimate savings and from experience, you're always catching up to insurmountable expenses that seem beyond your control. Let's be honest, it is safe to assume that a large amount of people that would qualify for the minimum income would not be able to handle their money enough to supply themselves savings for health care, let alone retirement. Now, if Mincome was to substitute govt-subsidized health care, that means those people would, well, not have govt-subsidized health care, meaning they would not have any health care at all. And that is very bad for the society as a whole, not just the individual.