Having your income suddenly reduced to near zero is a significant financial shock to a lot of people. Rents/mortgages are due, etc. I suppose you can make it op

Having your income suddenly reduced to near zero is a significant financial shock to a lot of people. Rents/mortgages are due, etc. I suppose you can make it optional and have each employee negotiate but that will either end up with no one getting it, or a lot of people opting out and then surprised with the sudden drop. Kind of what happens with health insurance.