One thing that I have not seen said is about the stability of unemployment. I remember last year that there were a lot of people waiting a long time to get on

One thing that I have not seen said is about the stability of unemployment. I remember last year that there were a lot of people waiting a long time to get on unemployment due to the pandemic. Months went by before those checks came in. Now, if you have the resources to work a job, you'll have to go off unemployment. But if that job fires you, you're stuck back in the possibly months long process to get unemployment. Sure, you could try to get another job, but that also has a time lag and other risks, and diapers don't buy themselves. It's not about the cash as much as it is about the cash-flow. You can plan around a small amount. But variable amounts are much harder to plan for, even if the net cash may be higher in the end.