Shouldn't you be able to buy unemployment insurance privately? (Okay, I know that may be a market for lemons because of the information asymmetries.. And you can't let people starve who haven't bought their insurance.)
Yes, private unemployment insurance. I don't know what the excuse was (this happened a long time ago), but the effect is obvious (governments are the only ones that offer it).
You can buy private disability insurance while the government offers the same thing through the Social Security Administration, but not private unemployment insurance in any form....