Of course it is in the way - it is meant to replace safety nets, and those exist in part for the employed with poor money management skills. If you change the source of income but do not solve the problem of people not budgeting their income well, it solves nothing and you lose a lot of the potential savings from UBI.

Perhaps your original point -- that a UBI-like system would shift blame from luck/voodoo/society to the individual -- would provide societal pressure for individuals to take personal responsibility for their choices. That pressure might be a good-enough substitute for formal money-management education. It takes a village.

UBI should be simple. Tying it to educational requirements[x] risks mucking it up with special-interest agendas, much as any other condition would.

[x] You didn't say that individuals would be required to avail themselves of any UBI-related educational programs. But the entire program could be stalled if its implementation were conditional on the development of an educational program that established, once and for all, how a government believes its citizens should wisely spend money.