I think you need to re-read what you just wrote, because your opening line doesn't jive with what follows. You're describing what a "white collar, grew up in a

I think you need to re-read what you just wrote, because your opening line doesn't jive with what follows. You're describing what a "white collar, grew up in a good school district" class person would think is poor. That's not poor. That's lower-middle class. Poor is when you have no savings and are forced to clean out your kitchen garbage can in the tub because you can't afford to buy more can liners before payday because you don't want to pay interest on a payday loan... and that's lived experience after having worked and socialized with people who were generationally poor. When you're poor, you don't just get to quit your job to start a business. Your business must necessarily function around the job that you have, which makes it exceedingly more difficult when you are doing shift work, as most poor people do. The four biggest barriers to low-end gig jobs are still availability, startup costs, time, and cashflow. Customers expect you to be available when they need you. You aren't doing Uber in a beater. Any money you're spending on your business is money that you aren't spending on savings or necessary household expenses. And poor people are far more likely to fall prey to scams out of sheer desperation. That's not even talking about the regulatory hurdles that people with businesses need to jump. As a customer, you'd be a fool to allow someone onto your property to do anything without their own business insurance.