Starting a business can be horrifically expensive, complicated, and risky. You have to spend a good few months researching all the things you need to do before you actually do it. And most people don't even know what questions to ask.

Some people will grow up in households where their parents understand basic law, finance, and business bureaucracy. They may already be part of a network with similar individuals in their cohort.

There's also the informal culture - knowing when you can push and maybe exploit vs knowing when to fold and play by the rules.

Other people come to it completely cold. They don't know the basics, don't understand the requirements, have no experience of the culture, don't even know what the words mean.

This is another reason why UBI isn't enough. If you want people to be more entrepreneurial you need a practical culture that supports that. Investing in them financially is a good first step, but it's not a complete solution.