The way you speak of all of these things just makes it obvious you've never been laid off and in the position to need to utilize these things. COBRA lets you keep your existing plan, but you pay for the entire premium. In most cases this is $1000-2000 per month. For someone in survival mode and needing to find where to cut costs, 2k per month could be more than their rent.

The max unemployment benefits for any state is not going to cover much of anything, you better have savings to fall back on.

And for those on H1B, there is a 60 day grace period. Maybe in 2021-2022 it was extremely easy, but today? A lot of people will be lucky to get through a full interview loop in that time.