What I have noticed, at least in New York, is that when the government is having a hard time coming up with money, doesn't want to be accused of raising taxes, and doesn't want to cut services, it raises the unemployment insurance rate.

I have a better idea. Let's change the entire unemployment system.

Instead of treating it like a tax, treat it like a forced savings -- X% of your paycheck goes into a fund just for you, and is used to buy a 12-month CD. After a year, that money becomes available for use should you lose your job. The rate of return gets reinvested with your subsequent contributions.

Ta-da! Now there's money for you in case you lose your job, and the government can't touch it to pay its own bills!