The system protects not only the unemployed, who can continue to pay their mortgages and interest, but also indirectly the banks, because their loans to households are repaid even in times of recession.
Systém tak chrání nejen nezaměstnané, kteří mohou dál splácet hypotéky a úroky, ale nepřímo i banky, poněvadž jejich půjčky domácnostem jsou spláceny i v období recese.