It doesn't make sense to rational actors, no. But for people arguing from a position of bad faith--people disagree with the very idea of unemployment insurance

It doesn't make sense to rational actors, no. But for people arguing from a position of bad faith--people disagree with the very idea of unemployment insurance or social welfare of any kind--it makes all the sense in the world. "Look at these people stealing all this money. We can't have that." Then they slash budgets further. People still talk about Reagan's imaginary welfare queen 4o years later to justify cutting social welfare programs. They'll use any excuse they can find.