Humans, in general, are not good at delayed gratification or long term planning. They don't plan for health care expenses or save enough for retirement. As a re

Humans, in general, are not good at delayed gratification or long term planning. They don't plan for health care expenses or save enough for retirement. As a result, your employees will for the most part, happily defer those costs which means those costs don't go into the calculus for how much your employees need to get paid to do the work you need of them.