No, their debts will spiral and their ability to get any sort of loan for "retraining" will plummet, if they're in the U.S., that is. American households average something like $10,000 credit card debt these days. Unemployment compensation pays 2/3 or 3/4 what they had been earning. Hence their bills pile up and, with bad credit, they can't get "retraining." They're hosed.