Plus anything cool required real money, or an insane amount of grinding.

… For the admin. It’s easy for the admin. That’s not the users.

Not only that, but basic liability usually doesn’t cover gig work either, you need a special and more expensive policy for that.

There are limited exceptions where you can self insure, I think New Hampshire is the only place you can do that in the US. However if you can self insure then you probably aren’t doing gig work.

You must have some really bad stores by you.