Thanks for the report! Unfortunately UBI is currently broken. Also, I believe your issue with withdrawing is due to your hands being empty. If you withdraw funds and have empty hands, it will not create the item in your hands. I am working to fix both issues as we speak.
Helicopters is a cool idea, but I don't think it's feasible and also doesn't really fit given the lore. Also, prison is a neat idea and probably pretty easily modded in. Drones have been talked about and would definitely be a bitch to mod in, but possible nonetheless.