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I write this from Western Europe perspective, it goes all downhill on social help from there anywhere else you look :)

You don't have that much of social safety net when working on your own, thats mostly for perm employees. Financial buffer is obvious, but what if you end up with some horrible accident or illness that will drain it and need more. The amount of continuous stress is much higher compared to perm employees, additional bureaucracy, the need to chase next employment, overall insecurity etc.



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