It's less nice and more that they're paying people to sign away their right to sue.

Imagine you've left your job, you probably don't want to go back there. You have to start a new job search. You're likely out more than one month's salary. Plus the intangibles of a job search while unemployed vs. employed.

Imagine you declined COBRA, or even with COBRA, you might end up with a period of being responsible for your own health insurance payments, too.

You have a gap in your employment record where you otherwise wouldn't have had one. That affects credit decisions.