No, it isn't. It is almost treated like an insurance problem; but, that would be illegal to our own laws as implemented if it were.
What law prohibits insurance????
See, this is the problem: you have no idea WTF you're even talking about. It's called UNEMPLOYMENT INSURANCE. It's called WORKMAN'S COMPENSATION INSURANCE. If you don't understand the difference between government provided social programs and insurance, it's not a surprise you rant the way you do.
Dear, our police action on drugs, is also called a drug war. Don't believe everything you are told.
If it were a true commercial venture, private insurance companies would have been, "sued into submission" a long time ago for being illegal to a federal Doctrine and State laws regarding the legal concept of employment at will.
People hesitate with a class action due to perceived, sovereign immunity of Government.