Half-right. In my experience, it's often younger folks out of school, with no kids, who make low wages and live with their parents. It's folks for whom unemployment insurance is a great benefit, assuming they were at their previous job long enough to collect it.

That's probably another category for whom employment seems like sort of an optional activity at least for a bit. I admit I hear it--at least in my circles--from decently-paid tech workers who are ready to take some time off,