It's systemic when you consider policymakers penalize you for not working. So many benefits are tied to work. The fed also adjust rates to make sure unemployment doesn't get so low to ensure employers always have max leverage. The biggie here is health insurance. Especially if you have kids, it's a huge risk to take time off to train for a better job or to risk taking a new job. Even having different insurance from a different employer means you may have to start over with different doctors.