Unemployment insurance is usually a replacement wage style model that is given to people who have contributed throughout their working life - think like a working age super. If you haven't had a job and contributed you are fucked if you are unemployed. The rates are often higher because people come from high paying jobs and their replacement rates are high. It kind of benefits those who already have the ability to find work and fucks over those who don't.

Unemployment benefits are taxpayer-funded safety nets that provide unlimited support to everyone who is unemployed. We have one of the best unemployment benefit systems in the world - it doesn't matter what your work history is. Job providers aren't great but that's a whole different story