They also receive the least benefits.

But I think it's reasonable to assume (though I'd be interested in a study on this), that over a lifetime a person will have paid for all of its unemployment benefits.

You can't be on unemployment forever, and you can't just go on it year over year, because there is a minimum amount of wage/work-hour you'll need to meet to be able to go back on unemployment if you're laid off again and have expired your allocated benefits (as I understand).

That means that any worker going on unemployment can only get so much benefits per amount of time working or wages accrued.

That's why I think over a lifetime, most people pay-back all of their benefits.

The difference in risk profile from other types of insurance doesn't necessarily mean it's not insurance.

The parent wants it both ways: the connotation of entitlement in collecting a product that was paid for (by calling it "insurance"), but without actually paying for it.