The finances are important but possibly not the first thing on their mind. The first thing on their mind is likely how their entire world has just changed around them, beyond their control.

People who left voluntarily can prepare for the lifestyle change, and maybe they can objectively look at this and say it's not all bad. For people who are laid off, it hits really hard in a gut wrenching way. The sense of despair about everything else comes first, the money part of it might not come until all the severance is exhausted.