Is wht I can find on the PP I do think people need incentive and I think making the payments not livable is incentive. I guess its just not one of those things you can really "fix".
It has been awhile but my ex had to go on unemployment when he lost a job from what I remember he got 80% of his wages for a certain amount of time which was determined on how long he had been paying into the pool through taxes. So from what I gathered anyone who was paying into the pool by working could then use some to get help when they lose a job. Ill have to search it but that wouldn't be too bad an idea but saying that Ill google it and see
ETA here is what it is, doesnt seem to bad makes a bit more sense.