Sorry Bags, about the blethering ... and about not replying sooner as I've been really busy.
Switzerland does appear to be very rich from the outside, and yes, there is a lot of money around, but not for the average Swiss. The Banks are indeed doing well, most of them now owned by multinationals and benefiting rich people all over the world. The fact the Swiss Franc is so high at the moment is a disaster for the Swiss - who have to try and export very high quality expensive products to keep the businesses going- the higher the franc, the more difficult exports - especially with very cheap Chinese, Taiwanese, etc. competition. Businesses are closing, both large and small - and huge multinationals moving out (like Novartis) leaving 1000s unemployed behind. My area of Switzerland has 10% unemployment, and 25% immigrants.
Unemployment benefits are only available to those who have worked for at least 12 months in the previous 24- nobody else. And unemployment benefits are for a maximum of 18months for those between the age of 24 and 55, and 2 years for those over 55. My dad lost his job as a watchmaker at the age of 64- after working full-time from the age of 16 in rude health. He had to sign regularly and then was told he had to go and work on the railway sidings, breaking stones, as there was nothing else available. The fact he was a trained watch-maker was irrelevant. He had to take the job or lose benefits. Tough - yes it is. Here you have to accept a job even if much less than your previous job - if after a while nothing else is available. So people do anything they can to get out of unemployment, by hook and crook. If they don't, they do get looked after by the 'social' but at the lowest of the low rates of survival- nobody in that position will be able to get more benefits than if they were working, which is often the case if the UK (with the 'I wouldn't get out of bed for that, I get more on the dole' mantra). Not saying it is right - but it certainly does 'concentrate' the mind. I know many young people in the Uk who have totally unrealistic expectations and will not even thin of accepting a job, in one case, unless it is as a dancer, and in the other, an aromatherapist. They flatly refuse anything else, and live in London at great tax payers expense - which drives my 2 daughters, who work so hard, crazy!
If a 55 year old loses his job through no fault of his own - then of course he needs supporting, as he would not have deliberately put himself in that situation. Although, if he does own a house which he can't afford to keep going, may well have to downsize or live in affordable housing- he couldn't possible expect the tax payer to keep paying for his expensive luxury home, surely.