Believe it or not, I didn't just "come upon" this realization and I've taken multiple econ classes (though I'd like to take more). Also, our unemployment benefits are a pretty sorry excuse for a social safety net, which is why I wasn't specifically talking about them here.
Sorry, you didn't mention economics at all but all of your points are discussed thoroughly and pretty well agreed upon in economic textbooks so I assumed you weren't aware (since if you were, I thought you would have sourced them).
In general, conversations are more interesting and edifying when they consist of more than someone just saying "my reaction on this topic is what economics textbooks say" :)
That part was 100% me suggesting you read up on economics as it seemed like a subject you were unaware of but one that you would totally love since it completely matched your logic.
My main point was bringing up unemployment benefits.
