Do I need to reinforce the floor?

[Gripenfelter]

Thanks Mike. We eventually will frame in the basement but the problem is I was told that you should never let the basement framing touch the ceiling because the floor is a floating floor and can move. As the house settles the basement floor can crack and move but the upper floors don't. But if you attach the basement framed walls to the floor and joists they will push or pull on the upper floors.

Our house is only 2 yrs old so a lot of settling still involved.