Well, there are factors like health and safety risk in these industries. The gig economy works because these costs are ignored. How many Uber drivers have comm

Well, there are factors like health and safety risk in these industries. The gig economy works because these costs are ignored. How many Uber drivers have commercial insurance? If they don't have commercial insurance, does their insurance company cover the damages (including medical bills of passengers) in the case of an accident while the vehicle is in commercial use? Or, what is the Air BnB host's personal liability in the case that Air BnB requires hosts to refund bookings cancelled due to COVID? A hotel is a corporation, as an Air-BnB host do you have similar limitation on personal financial liability? The gig economy is supply-and-demand combined with dodging regulatory costs. Which is great until you run into the situation the regulation is designed to protect against.