Ok, set UBI to be above the official poverty line and we've solved that first issue.
People will still need to save, invest, budget, etc. We're not giving them infinite money, just enough for basics.
Presumably most people will still want a job and there are lots of places to interact with other people. Stay at home moms tend to be functional members of society and have been for decades of modern history. Showing up regularly for work is already becoming outdated as the "gig economy" is becoming more prevalent.