Evan Vucci / AP In his State of the Union address this week, President Obama reinforced unemployment insurance and job-training programs as ways the government can help those in need of work. Then he listed “wage insurance” as a distinct and separate recommended method: Say a hardworking American loses his job — we shouldn’t just make sure he can get unemployment insurance; we should make sure that program encourages him to retrain for a business that’s ready to hire him.