You only prove my point. Yes, the cost in my example is $5 instead of $20, just like the cost of UBI is ~$500 billion instead of $3 trillion.
Regarding your claim that government would take all the money, that's just stupid. Government wastes all kinds of money on services that are inferior to giving cash, and so many programs and so much bureaucracy that could be eliminated with UBI.
No, you missed the point entirely. You want to make it seem that giving me $20 only cost $5, but I never got $20. The entire example was flawed and wrong. Try it with your mortgage company. Tell them to return all but $20 of your mortgage payment back to you. Then explain that they got the mortgage payment, but it only cost you $20 and so everybody comes out ahead.
Would you explain for all who are reading this exchange why you authored the piece above describing how you would go about funding UBI to a level of $3.8 trillion (copied from your article: Basic income revenue pool: $3.72 trillion) if the program will only cost ~$500 billion?