You are right, but the thing with that system in Germany is that it DOESN'T work!
I have to pay half of my hard earned money so that the government will help me out if I need it?
FUCK THAT!!! It's always the people who don't need the money who get it and the people really in need won't!
Unfortunately I had to go through that myself during my university time (very long story ...).
I refuse to throw my money into the lap of people who are too lazy to go to work instead.
The amount of people who really need the money and actually get it is too low.

The basic idea is good, but it just doesn't work (anymore).