Yep. The main reason I joined a union was for unemployment insurance. If I lose a job I get 80% of my salary for 6 months. I also get discounted home/personal insurance and better mortgage rates. Once you include standard employer perks and you get a pretty decent quality of life without government intervention.

Insurance makes sense. It's a different kind of collective action so my brain kind of routed around it. But it's not capital C, capital B Collective Bargaining, so I can see how you'd pretty easily get the one and have more trouble getting the other.

You can shop around for insurance, you can't shop around for employers.