Actually, I'll go one step further. Why don't we set up a non-profit/cooperative to aggregate people to get all the group benefits that full time employees rec

Actually, I'll go one step further. Why don't we set up a non-profit/cooperative to aggregate people to get all the group benefits that full time employees receive (e.g. Retirement, Health and other insurance, and other discounted perks)? Heck, we could even create a HN-cooperative that any of us could join, sign up and pay a nominal membership fee. Then we could off and all be independent contractors etc. without fear of losing benefits.