It’s not only for rich people. There are plenty of people who are in debt because of a mortage or student loans that can get loans for other stuff like financing a car.

Like it says in the article this isn’t a universal basic income as it is only given to 80 families

I use solidworks for makers which is actually affordable for private use. I prefer paying $50 a year over having to deal with freecad and I dont even use CAD software that often.