This article mentions Norway's pension fund. I am a Norwegian citizen and built the app for applying for social welfare as consultant for the Norwegian Labour and Welfare Administration. What I learned talking to users, is the deteriorating effect stress have on your cognitive abilities. In other words people become really, really stupid under stress. Stressed people do really bad choices. They are bad a concentrating and thinking clearly. Give people UBI and a home where they feel safe, and basically at home, and watch the magic happen.
Norway is no way near having UBI, and the housing market in the few big towns are really a clusterfuck. It costs 30% more to build housing in Norway than across the border in Sweden. Norway has twice as many people working in the public sector as our neighbor Finland, per capita. The income from the oil industry is slowly sneaking into to the economy. The high taxes, rising inflation, AI adoption and increased public spending, is creating a toxic climate making it increasingly harder for startups and young people to thrive. UBI and housing policy seems like the only viable solution.