Your calculation would make sense - if all of your taxes went into the welfare system. In Germany the contribution rate is only 2.6% though (paid on top of your taxes) and with that your whole career might not be enough to pay for a single year of unemployment.
Also, the payment that arrives on your account hardly is the whole cost. There are up to whole ministries of government to pay for with thousands of tax-paid employees. Every pay-as-you-go system only works if the vast majority pays and only a few get paid.
Your calculation would make sense - if all of your taxes went into the welfare system. In Germany the contribution rate is only 2.6% though (paid on top of your taxes) and with that your whole career might not be enough to pay for a single year of unemployment.
Also, the payment that arrives on your account hardly is the whole cost. There are up to whole ministries of government to pay for with thousands of tax-paid employees. Every pay-as-you-go system only works if the vast majority pays and only a few get paid.