I cant afford a spaceship though :(

Im not wholly knowledgeable on UBI but I imagine you can still make money on top of the basic income. Like as an artist you can still sell works, do commissions and whatnot you just dont have to stress nearly as much about covering the basics when works dont sell and there are gaps in customers. You still can have savings and the like. Best cases at some point housing would be cheap enough that one could realistically buy a house outright with good financial planning instead of it being owned by a bank