There is a huge difference between e.g the US where workers have little security and places where they do. Especially when you consider the gig economy. Consider how Uber works in an environment where a laid off worker might be paid 6-12 months in full depending on employment lengh. Uber does operate in such places but it’s basically in a perpetual fight against unions and authorities.
But working as a contractor demands a substantial premium anyway, because the contractor is responsible for self-employment tax.