People in general are loyal to whoever pays them. Or better, whoever provides resources to them.

Therefore, people are loyal to the capitalist system for they get paid. They can sell their time in exchange for things that they like.

You can see it this way, 5% unemployed are "scumbags" in the eyes of "honorable" people. 20% unemployed would be an army hunting for resources.

UBI would ne necessary to stop the poor from attacking the rich, not out of kindness, but out of necessity.

Humans, after all, when all ks said and done, sre animals. And the name of the game is survival.