Here is a suggestion for dealing with the problem created by the recent termination of Long Term Unemployment payments. Make the federal government the lender of last resort. Let the government lend the still unemployed a periodic payment perhaps reduced by a modest fraction based on their last rate. Charge a nominal interest rate on the accumulating debt. Continue these loan payments for, say, 6 -12 months. The payments would stop if the person became employed or asked them to stop. Repayment would take place as payroll deductions from their new employment or as deductions from their Social Security retirement. I believe this arrangement would give added incentive to the group to find work of any type and repay ASAP.
8501 Rayburn Rd.
Bethesda, MD 20817