I agree that privatizing unemployment insurance would lower costs for reliable, low risk employees by shifting the burden to higher risk people, but is that a g

I agree that privatizing unemployment insurance would lower costs for reliable, low risk employees by shifting the burden to higher risk people, but is that a good thing? The kind of people that can’t hold down a job are exactly the people that need unemployment benefits the most. Not everyone can’t hold down a job just lazy, many have mental or physical disabilities that make holding a job more challenging, and those are exactly the kind of people that can’t afford extra insurance in the first place.