There are of course underlying reasons for these issues - lack of sleep, the marathon of raising children, the struggle of staying on top of bills, too many things to do in too few hours - but that does NOT invalidate them and you cannot design a system that ignores those issues and depends in part on human interaction and expect it to actually work consistently and properly.
A couple things I have read this past year suggest that mainstream economists are finally waking up to what people in tech support have known for decades. Never assume someone is acting rationally/has all the information/doesn't have extenuating circumstance, because you will probably be wrong.
I wouldn't use the word ignorant for that, but I also wouldn't argue about whether the definition would apply.
I find arguments such as that put forth as deeply disingenuous, that most people are rational, exceptionally educated economic actors (if you can convince someone to give you an auto loan and a drivers license, which are extremely low bars, than you can clearly determine if gig economy work is in your best interests), when overwhelming evidence proves otherwise. To me, it comes off as justifying exploitation (ie "the gig economy"), which clearly has no place in first world countries or this century. But, with the number of tech workers who are employed at highly compensated at exploitative entities, I am not surprised in the least.
Whether Uber drivers are this poor is an open question; I’d wager some are.
or didn't perceive the other ways, or didn't have resources for other ways, or wasn't approved for the subset of other ways that they both perceived and had resources for