E.g. “ If you are eligible to receive unemployment, the weekly benefit rate in Indiana is 47% of your average weekly wage (to come up with your average weekly wage, divide your total wages during the base period by 52). The weekly benefit rate is subject to a minimum of $50 and a maximum of $390. You may receive benefits for a maximum of 26 weeks.”
There are a ton of businesses that operate on thin margins - restaurant and service industry in general - and it makes sense for the government to step in.
Is that what I said? No, it's not.
https://www.nbcnewyork.com/news/coronavirus/what-to-do-if-yo...
A less charitable read is also quite possible.
A lot of employees also just lost their childcare as schools and day-cares closed. Getting half-pay and being free to take care of your children could be preferable to getting half- or even 80%-pay while having to find and pay a babysitter for the time you're still working.
Also, to add to your point, most service workers don't get sick leave, so it's not just the risk of being infected -- if you get sick, you don't get paid. Unemployment still pays sick people.
Edit for what I thought was obvious context:
If you had a full-time job and where forced to go to meager part-time hours, it might be better to just get laid off and collect. I had a friend in this situation. It would have been better for him to have been laid off.