Actually I agree with this. I don't think that the government should be in the UI business. I think that people should be able to buy their own UI policy from whatever company would offer it. A company could buy it for their employees as a perk. I think that most people who are drawing UI would not object to it being a loan to be paid back at some later date. I am sure that a lot of people that are laid off would have been happy to purchase a layoff insurance policy
BTW, on this thread, you've claimed UI is a gov't program and that it isn't. Which is it? (kind of a trick question, granted)