We don't have UBI in the US and many people here would say the same.
I think many are quick to conclude motivation is the cause without considering any less visible underlying reasons that cause people to be in those situations.
The US has many fragmented welfare systems, rather than a single universal system. Many people do live on a combination of these benefit programs. This does not mean they do not struggle.
People who are out of work for short periods of time may not be familiar with all of the various programs and how to sign up for them, and it may take some time to do so. They may also have budgeted their expenses with their employment income in mind. This is why things are particularly difficult for people who intermittently lose their jobs.
But in general, anyone who finds their income unexpectedly unstable or close to the minimum amount necessary to meet their expenses will have a tough time, no matter where that income is coming from, or what value it is.
I think many are quick to conclude motivation is the cause without considering any less visible underlying reasons that cause people to be in those situations.