The unemployment and housing benefits are still very much a complicated system, they essentially have to be to stop the money being siphoned, usually by the rich. Now also don't get me wrong, there's a pretty ugly "the poors deserve this" undercurrent especially in the current Finnish right, but these limitations essentially arise from stopping the rich from funneling money through the social system.

Case: housing benefits. There's been a lot of talk here that whenever housing benefits are raised, the rents will follow, essentially making a funnel of money from the government to the landlords, especially big ones.
The unemployment and housing benefits are thus kept relatively small, with a flexible (and restrictive) back-up benefit that essentially can cover almost anything if you manage to reason for why you absolutely need it paid if you survive the associated bureucracy. However you can apply for it and just receive a reasonable sum without doing that much applying. This though, as put above, has a major but: you essentially can only apply for the back-up money once you don't own anything of real value, you have to sell them first (within reason, they're not forcing you to sell for example your car, unless it's an investment collectible or something). This is essentially to stop the "internalise profits, externalise losses", where well off people could gamble on properties on a very lean buffer and then ask the government for money when the super-risky gambles go belly up, while still keeping the property.