Australia introduced the dole so this nonsense wouldn’t necessary, just like introducing the pension meant worrying about whether you would be able to survive in old age became unnecessary.
The problem is not workers lacking income insurance, the problem is we’ve slashed the dole well below the poverty line and let Governments abandon their commitment to Full Employment. So now when you get the sack, you can’t just walk into another job the next morning - as opposed to 50 years ago when that was the norm. We should not accept precarious work and mass unemployment (with the resulting income insecurity) as a normal part of life. Sure if high income earners want to take out private income insurance that’s fine, but it’s the Government’s responsibility to maintain Full Employment and income safety nets.