you want unpleasant labor to pay more, than we need less people wanting those jobs (which usually require low skills, or are very easy to train for). Basic income will probably help on that front, but then it can increase costs so much that you lose all value to inflation, then you need to increase basic income and the cycle repeats.
On your second point, that is a very misguided view. I agree that people face barriers to the lack of available capital to them, but if you base your economy on spending you just create inflation. For the last part, we really have to rethink financial instruments, but if you think bank accounts are sequestered capital I don’t know how to help you.