I think a lot of people simply don't know what to do with themselves when they don't have a job.
There are many psychological needs that jobs often provide for you that you have to sort out yourself when you don't have traditional employement. This is a problem you face through unemployement, but also self-employment and early retirement.
At least in part, it's not so much not having a job as not having daily structure, not having a social context, and lacking a sense of belonging. Lacking these factors will absolutely ruin your mental well-being.
These aren't things that are impossible to find when unemployed (or otherwise not working), but if you've spent most of your life being told what to do, first in school and then at work, you've got some figuring out to do.
There are many psychological needs that jobs often provide for you that you have to sort out yourself when you don't have traditional employement. This is a problem you face through unemployement, but also self-employment and early retirement.
At least in part, it's not so much not having a job as not having daily structure, not having a social context, and lacking a sense of belonging. Lacking these factors will absolutely ruin your mental well-being.
These aren't things that are impossible to find when unemployed (or otherwise not working), but if you've spent most of your life being told what to do, first in school and then at work, you've got some figuring out to do.