Here is one. You start a small startup and you have to pay all your social charges for the fiscal year in advance. Say you project you'll make $200000€ the firs

Here is one. You start a small startup and you have to pay all your social charges for the fiscal year in advance. Say you project you'll make $200000€ the first year and need to pay 80000€ (just an example) before you can retain your first client. That is a huge chunk of change a lot of people don't have. And if your company doesn't reach it's target and collapses too bad, at least you have health care paid up.