Have you ever been laid off?
When I was working as a software developer during the bubble burst around 2002 I was laid off. I was lucky enough to still be living at home so didn’t have to worry about paying rent and was naive to think that it would be a few weeks before I managed to find new employment. It actually took me nine months of constant job searching before I managed to join the workforce.
The worst part about it is health insurance. Sure, if your company hasn’t gone bankrupt you can always opt for COBRA, but paying $300+ a month for health insurance when you’re only receiving about 60% of your old salary is a bitter pill to swallow.