People at risk of starvation or homelessness are indeed in exceptional life circumstances and need urgent assistance. This is a matter for social welfare programs. Most developed countries already have such systems in place.
UBI is not a welfare system. It is universal by definition. Most recipients of UBI are not in the dire circumstances you described.
So let's talk about the real beneficiaries. I see no reason why a software engineer or a doctor needs an early retirement scheme that allows them to quit their job on the graduation day.
UBI will be financed by those software engineers and doctors because they are in the higher income tax bracket. Those people will still be paying more to the system than getting from it.
UBI is not a welfare system. It is universal by definition. Most recipients of UBI are not in the dire circumstances you described.
So let's talk about the real beneficiaries. I see no reason why a software engineer or a doctor needs an early retirement scheme that allows them to quit their job on the graduation day.