Perhaps the personal financial risk and working stress isn't as great as it might seem? Imagine I'm a qualified plumber. I've got my own tools, vehicle, and in

Perhaps the personal financial risk and working stress isn't as great as it might seem? Imagine I'm a qualified plumber. I've got my own tools, vehicle, and insurance. I can work as a subcontractor for a local plumbing business. They'll pay me $250 per day when they have work for me. I get no income when there's no demand, and I get no holidays or sick pay. Or I can start my own plumbing business, and charge customers $100 per hour. Sure, I've got to pick up the marketing and giving quotes and sending out invoices - but if I can get the work coming in, I get a lot more money.