The answer (I think) it’s not UBI, cooperatives OR more democracy. It’s all this at once and even more.
UBI would mean everyone has a meal under a roof and has no fear of starting a business. Cooperatives put the value of the work in the hands of the worker. Free public universal healthcare and education systems with public affordable/free housing and public supermarkets makes everyone safer.
Easy: “You, the government, want me to show you all my data? Right after you show me (and everyone else) all your documents, including the “top secret” ones. Because you haven’t done anything wrong, right?”