Also, interest from an investment isn't UBI. Someone borrowed that money and paid back with interest after investing it. It's only through the "magic" of fractional reserve lending that money gets created out of thin air. Otherwise, it is primarily the products and then the services that have any value.
If you and I were in a vacuum and we printed a million dollars, that money would be worthless. But we could consume and trade food items back and forth, or I could train you how to farm or fish so you could be self-sustaining.