> when a company lays people off, the town, state, and federal government are the ones who have to end up picking up the downstream effects

If the existing unemployment _insurance_ (forced payroll contributions to each State) are not sufficient, then change that insurance system.

There could be a business opportunity for supplemental market-priced contributions which pay on job loss. That wouldn't be worse than the 'legal assist' ripoff plans HR pimps at employee hiring.