Government money

If a company is "too big to fail" the punishment should be that the government bails them out, then breaks it up into smaller parts that are free to fail or succeed naturally without government intervention

Just nationalize them. If the government has to bail them out then then the government just bought them. If a company is too big to fail then it's too big to be privately owned.
- That's what they did in my country when a bunch of the big banks almost keeled over in 2008/2009. They were temporarily (partly) owned by the state and eventually bought back their rights to operate as a separate business when things were going better again.
- I don't want them to be nationalized though, I want them to be able to operate without needing government intervention, basically the exact opposite
Nationalize them and turn the former business into a 501:c3. Also fire the entire C-Suite, with cause to prevent any golden parachute payments.
- But I was told that the rich leaders take risks!
  …right?
- What if we just give every American a portion of the company that we bailed out?
  Eventually the average American would own stocks in many different banks.
  Eventually the American people will have majority share, at that point we vote on the actions of the bank as if we were the board.
That's not something that really works with industries that are zero sum games. You can't have a dozen competing rail companies in a given state because there is only so many paths that a rail system can take, and you need to clear out continuous stretches of land through eminent domain.
If a company provides a vital services and fails, it should be nationalized. If a company does not provide a vital service and fails, it shouldbe allowed to fail and the employees themselves bailed out.
Maybe the government should give the money to the employees and if they feel that the company can make a come back they can invest the money in it. If not they can use the money to move on.
- That seems fair. If the powers that be where I work for offered me to invest in the comoany itself I would do that. I bet I would get a better return over an index fund the way business is going. Of course they would find some way to fuck it up and corrupt it.
Not much of a "punishment" to the business to have socialized losses. Oh you've mismanaged your ginormous business and it's going to cause a huge, negative ripple effect on the economy and impact everyone else? Here's some free money, courtesy of working class taxpayers! Also we're going to break you up and place no restrictions on how big you can get so that one of your smaller entities can inevitably get enough market share to be in a position to do the same thing a decade later! Huh? Punishment? Oh... Uh... Don't do that again please, Mr. Business, sir 🥺
- Hard to effectively punish entities that feel no pain and are otherwise basically immortal
  Best we can really do is mow the grass periodically (which the US gov has been failing to do for a LONG time now, although we're starting to see anti-trust rumblings in the tech industry now thankfully)
or the government should get a significant amount of shares on the company

True in the U.S. Except, of course, in Alaska. Somehow in Alaska, very red state Alaska, home to Sarah Palin, every state resident gets a dividend from the oil revenue. Not that I approve of the reason why considering no one should be making revenue by fossil fuels, but somehow Republicans are fine with that exception. I wish they were pressed on it occasionally.

Conservatives love telling people that winning or losing is a personal failure, and hate government interference, but also love to make life as easy as possible for large corps.
They clearly understand that regulation works, and that governments working to stabilize a country can be really powerful, and then they go and do entirely the wrong shit about while swearing that regulation is evil and governments are evil. It’s all just feelings and whatever they hear first/whatever is oversimplified and yelled.
They're fine with it because voters would hate to have their free money taken away
- Oh, but isn't it an 'entitlement?'
I wonder, do the indigenous peoples of Alaska get that?
- I believe they do, but I'm not 100% sure.

To be fair, government bailouts are not just free money the government gives large corporations with no attached expectations. When the government bailed out GM, for example, the treasury gave GM $52 billion. $6.7 billion was considered a loan (with interest) which GM has since paid back. The rest was an investment resulting in a 32% ownership of GM by the US Treasury.

There's also a shit tonne of people and other businesses that rely on a company like GM.
- It would be terrible for everyone involved, not just the economy but also for quality of life. Bailouts are bad, but not bailing out is worse. So what do we do? (Sorta) simple, legislation the prevents the amount of risks that banks are allowed to take. My proof is by counter example. The great financial crisis of 2008 was due to deregulation, mainly pushed by Regan era policy. Limits on banks force them to take their due diligence with each loan and decreases the risks of bubbles (crypto, housing, coins, etc.) forming in the first place.
- And there is a shit ton of people going bankrupt over medication costs, housing costs, and student loan debt. Do you care about those issue as much as you care about giving a car corporation more money to make oversized gas-guzzlers?

With obesity being a big problem, we could always frame UBI as being for individuals too big to fail as well.

I'm ignorant, and maybe I shouldn't ask this in a meme community, but wouldn't a UBI become the new $0?

Like all the corporations now know we get x-amount more so now prices are adjusted to take a portion of that across all sectors, and now I'm back to not being about to afford the same things as before? Idk I don't have an econ degree.

Not really. It's not magical money that just appears.
It's redistributed money.
Things may increase in price, not because of greed, but because supply and demand jumped dramatically. Think of all the people who now have money to buy random things like treats or toys.
That's not a bad thing! Suddenly, companies need to hire more people to increase supply, because people have resources to spend.
Expensive stuff still exists. No matter what. But the bare minimum quality of life increases dramatically.
No because taxation would be adjusted so the average person is no better off.
It's about raising the lowest earners to a minimum level that they're able to live on, without making them jump through hoops or prove they are poor or prove they have been looking for work for 40 hours a week or some bullshit.
The way I think about it is by creating a scenario. We give 100% of people $1000 dollars (just for sake of argument). Some people use this for groceries, others for car payments, others for investments. Some people don't even realize they got that money bc they were so rich. Some people can afford to pay for school supplies for kids. They key point is not everyone is using it for the same thing.
The reason it sounds like it should become the new zero is bc it does happen in some situations. If the government gave everyone that rents $100, then landlords will raise rent by $100 a month later. The main difference between the two is how specific the scope of the money is.
Yes, there would be economic changes (not necessarily downsides) such as higher inflation due to government spending, but also increased GDP which will stimulate the economy drastically. It will lead to higher unemployment, not bc people stop needing to work, but bc they can quit their second job or focus on taking care of kids full time (which that actually doesn't change unemployment, but it would change the workforce numbers).
I am not an economics major or anything, but I tried to give reasons to explain why we would expect these changes to happen in the real world.
Those corporations would still be competing with each other to be the one we spend that $ at though.

Getting money from the government is like the one thing that's classy to do if rich, but considered tacky if poor.

How about we stop spending so much money. The US is already in $36 Trillion dollars of dept.

We could easily pay the debt down by taxing millionaires/billionaires appropriately. Or, since it's totally fine for a country to run a deficit, invest it back in to infrastructure and climate reinforcement.
What if I were to tell you that one of the points of a UBI is to replace welfare programs?
- A "universal basic income" shouldn't be a thing. It encourages laziness and is more government spending which can worsen inflation.
The US is already in $36 Trillion dollars of dept.
People have said, "the U.S. is already ___ dollars of debt" my entire 46 years as if that means something. What does it mean? Sometimes the economy goes up, sometimes the economy goes down. Debt keeps going up. It doesn't seem to be changing anything.
Government debt is not the same as individual or corporate debt. Most of the US's debt comes in the form of issuing Treasury Bonds, and most of the debt is owed to the American people. The US also controls its own money supply in which that debt is denominated.
Also, spending is only part of why debt goes up. A huge portion of the US debt has been created through tax cuts, e.g. the $1.5 trillion Ryan-Trump tax cut for high earners early in Trump's presidency
- Who cares if most of it is owned to rich Americans. If anything it is all worse because you are creating a totally non-thinking investment, an easy way for the rich to keep their money instead of them trying stuff like starting new ventures. Ever heard of the crowding out effect?
  Yes the US controls its own money supply in very vague sense of the word "control". If the fed tried printing it's way out of debt inflation would cause collapse.

It probably costs much more money for a government to do UBI in the long term.

Not when you factor in the productivity and social harmony of a healthy citizen population.
- Until by the next year rent has universally increased by the UBI.
  I'm fully in favor of UBI, but unless we can get a government that will actually crack down on price gouging all it will do is funnel right back to the crooks at the top.
- Hope you're right then. I really wanna see UBI implemented, I'm just worrying it will backfire.

If it needs bailing out, it is not too big to fail.

Then it needs to he nationalized if it fails.

Although I like the concept, I just don't see a world where UBI does anything helpful. Unless people are able to just not work and all goods are human free/automated. Otherwise companies' products and housing will rise to meet what they now know you have in income. Give everyone $1k and prices will rise to consume that $1k so you just end up feeding tax dollars into companies mouths. Pay for it by taxing the companies and they will increase prices till they hit the sweet spot intersection of cost/value, but people will still be at a negative because some of that resource pool gets eaten by government management of the UBI system.

May as well do what we used to and tax companies more and put that into social services, at least companies can't squeeze that from us.

If governments had paid to cover mortgages instead of just hand outs to major corporations the GFC would not have been so bad.