Yes, I think you're being deliberately naïve. Maybe if people were spherical cows, you might have a point, but you're just acting as if there is no such thing as society, as if people aren't going to want friends and family (in particular) who can't work to be supported through this period. It's a slightly bizarre way to view this handout, given the situation that is very clearly occurring.

And some people will make that calculation and figure out a way to officially be unable to work and pick up government money. That's always happened, it's called malingering.