I think that's because it's not socially acceptable to say that you just need money. You need to say that you want a job, or you sound like a lazy loser and a freeloader. Social media is full of extreme vitriol against unemployed people, and even the people who are supposed to help you can treat you in a rather dehumanizing way. The emotional burden comes from many things, including stress, anxiety, insecurity (UBI would help there), stigma, etc.
EDIT: Also, at least here the unemployment benefits are predicated on actively seeking a job. If you actually go and admit you don't want a job, that can backfire in a situation that sucks to start with.
I was unemployed for nearly 2 years and it was a fucking nightmare. Because I had no idea what would happen to my life next week or next month. It's an unsustainable and extremely hostile situation. Can't make any long term plans, can't start any project that requires investment. The only way out of that situation is to get a job, which is everything you need to focus on, in place of all those interesting and fulfilling free-time activities one could think of doing during a period of true freedom and financial independence.
A steady, guaranteed, stable source of income would've changed it completely. You wouldn't need to deal with the stress of trying to find a way out of a terrible situation.
I don't think most pensioners, for instance, think that they've got into a fucking nightmare of a situation. Sure, some get depressed because suddenly their days aren't filled with the activity and people they're used to. But I think most pensioners are quite content as long as they are healthy, have enough money for comfort, have friends, and are free to find activities for themselves. And yes, some even get something that resembles a job. Maybe volunteer somewhere. It's still a rather different situation compared to being employed, and usually volunteers have only as much responsibility as they volunteer for, and they can pretty much quit or reduce their load any time. Around here, becoming a pensioner is something that is mostly celebrated. You can rest in ease knowing that you've earned your future and no longer need to compete in the rat race.
I can say that I enjoyed the heck out of long summer vacations and time between studies when I had zero pressure to worry about getting a job. I would FIRE if I could. There are so many things I want to do with my life, and 9-5 only gets in the way.