There are also a whole lot of people who were not regularly employed just prior to the shutdowns, and thus not eligible for any of the federal or state unemployment-based assistance. This includes full-time students who had just graduated or were about to graduate from a program, people who rely mainly mainly on a seasonal occupation for their income, people temporarily living off savings and minimal investment income while temporarily doing something personal (caring for a dying elderly parent, DIY home renovation, a full-time charitable volunteer program for a few months, etc).

These people had reason to be confident that they could resume paid employment, on either a permanent or temporary basis, if and when they needed to, and suddenly the reliable employment options they'd counted on simply evaporated. Most large cities had a thriving agency-based market for temporary office workers, and that has literally disappeared. There were also a lot of people making decent money selling on eBay or Etsy or even live "flea markets", but this activity doesn't count as "employment" the way most people do it, so again, no eligibility for unemployment benefits when the bottom fell out of their market.