Is a UBI actually beneficial to the poor?

I believe that a UBI if it was implemented correctly would be very beneficial to people of lower-income. As we have seen in studies it helps reduce stress in people that are working and it is a guaranteed income which would be very helpful. Because of this, I am very inclined to be supportive of a UBI for that reason and because I don’t have any income and want money. But at the same time it seems that there are many implications with a UBI, how it would affect the economy, and how it would be implemented. A UBI implemented universally would be very easy to administer as everyone would receive the income, but the problem with this is that it could actually have the opposite effect and increase poverty. Whereas a UBI that is administered to only people of lower income would be much more beneficial but the problem with this is the administration of who would receive the money, and where the money would come from. People would have to apply for the UBI, and the application process would probably be very long and would be hard to receive the money. Additionally, people may lie about their income and take advantage of the UBI. The main thing that I was concerned about with a UBI is that it would increase unemployment as I have seen with COVID. The stimulus check incentivized a lot of my friends to not work because they received more money. But, this is not actually true as studies have shown that a UBI would increase employment. The reason why in COVID it seemed to decrease employment and led to companies not having enough workers is because I believe that the amount they were giving people (600 dollars/week) was more than they were earning with their wage so what would be the point of working? Whereas with a UBI the amount would not be more than the people earn. This also led me to look up statistics on percentile of income in the United States and I found that around the 6% is below the 12,000 a year from UBI, so I wonder whether or not these people would continue to work or do as the people in COVID did and choose not to work since they would earn more from the UBI. Another thing that I was worried about with a UBI is that it seems to only work (by benefiting the lower income) if there is sort of a “cut off” or a “bar” for who can receive the income. But how would this income bar be set? For example if the bar were to be set to 20,000 then the people earning 21,000 a year would be earning less than the people who make 10,000 a year because the 10,000 a year would receive 10,000 +12,000 which is 22,000. That would be extremely unfair to the people above the bar that are within the 12,000 income range. Additionally, I am not sure as to how the UBI would be funded because it seems that funding a UBI through the removal of other social welfare programs would actually widen the gap between the poor and rich as opposed to decreasing it. Whereas if taxes were raised to fund the UBI, the taxes would need to be 20%, and this would drive people to not buy as much which would cause a cut on consumption, thus a decrease in the economy and a reduction in the revenue generated by other govt taxes like federal income tax, social security, medicare and corporate income so they would further need to increase the taxes on all these to make the money back. Honestly, I would love a UBI. It would be greatly beneficial to me, but I don’t see how it could be implemented well to benefit people other than people like me who are young and have zero income. So I would probably suggest other methods for decreasing the income gap like guaranteeing jobs as Bernie Sanders said since a UBI could possibly backfire. But, if you have a way to fund a UBI that stimulates the economy and doesn’t cause an increase in the income gap please tell me and implement it.