2 contextual things I think you missed:
- "Work hard" is relative to ones own abilities and efforts which is why included "and was honest".
- "Work hard and play by the rules" is a well worn and tired Republican saying used to celebrate capitalism. My use of it was meant to be ironic which is why followed it by saying people lie, cheat, steal, and fight to lie cheat and steal some more.
It is not the board majority of people I am referencing as liars and cheats. Rather it is just a small minority just as today only a small minority are billionaires. Look at the level of manipulation and control that small minority has though. Again, I believe any number of economic and governance systems could work. Communism could work, Socialism could work, a Monarchy could work, a Theocracy could work, and etc. What undermines all systems is the corruption and loathing towards each other. Reinventing the bucket won't fix a sinking ship.
UBI won't make people happy. Countless studies have been done and there are many philosophical theories out there about. If you want to go in-depth about happiness we'll need to start a new thread most likely. What I think can be definitively stated is that there is no empirical link between income and happiness. No only that but corrosive behaviors which are associated with poor menatl health like addiction, sexual abuse, physical abuse, abandonment, and etc exist across all income levels imaginable.
The OP is asking how we'd create Utopia. For me the answer is a behavioral one more so than a structural one.