I'm sure you didn't mean this, but let's be clear the 6T is not returned to the tax payer that stumped it. Since this isn't generated wealth, just redistributed, it's a cost to someone. Someone's getting 20k, and someone's paying for it. And some people are going to be paying a lot more than 20k, and some people won't be paying in anything.
For a BI to be bad from the perspective you're talking about it has to actively make people less productive.
You mean like a 10% reduction in work hours? https://decorrespondent.nl/541/why-we-should-give-free-money...