I agree with everything you said in the first half of your post. I disagree that a UBI is the logical conclusion from your premise. The idea that most, leastwise, many U.S. people getting free money will start businesses with it is, I think, false, and if not false, that the the massive number of such businesses could be successful is false. Your example of what happened in a very poor African county says zero about what would happen in a highly advanced economy like the U.S.
On top of that, money without work is destructive to people’s self respect and sense of worth.
Here is what I propose instead: A Guaranteed Minimum Income Is The Wrong Answer To The Right Question