Good observation! You are correct that by accepting the offer you will in fact limit your options later in life. That is kind of counter-intuitive since you create constraints in order to achieve a higher sense of freedom.. I did not see that.

UBI is still up for debate. Too early to say if that will ever be implemented successfully. It is not even a sure thing that AI will in fact take our jobs. They will of course make some professions obsolete, but currently we might lack the imagination to foresee potential new jobs only humans can manage in the future.