I think that’s fair and reasonable.
If they are accomplishing something, like loan repayments and can show me that is where there money is going, I don’t see it as a problem. Why should the banks be allowed to make an extra 20 or 30 thousand dollars in interest, just so they have an apartment of their own, when the 20 grand could be a nice down payment on a home.
I think it all depends on the reason WHY they lost their job, their plan on getting another one or training/education/something to make them stand out in the market and rules. No sleeping in type days, no partying etc... Essentially, staying at home is a means to an end... the end being able to stand on their own.