This reminds me of a study (and subsequently made into a book)that tracked how the poor manage their finances through a series of diaries. [1] The most interest

This reminds me of a study (and subsequently made into a book)that tracked how the poor manage their finances through a series of diaries. [1] The most interesting insight, for me, was the fact that it isn't the absence of income but the unpredictability of it that is most worrisome for poor families. Similarly, in this case, if I have a job with an assured income every 2-4 weeks, you'll have to convince me with a huge uptick over this income to sacrifice this assurance for a chance to become a contractor. Add to this the other benefits such as retirals and health-insurance and the trade-off looks even less attractive. [1] http://www.portfoliosofthepoor.com/ http://www.portfoliosofthepoor.com/