[0] https://www.surepayroll.com/resources/blog/how-many-sick-day...
It's not nearly as barbaric as you're making it sound if you actually understand how it's supposed to used.
Only 20% of service workers have disability insurance, and I don't know of any fast food franchisee or hotel franchisee or pretty much any other small business that offers disability insurance. I would say it's still pretty barbaric. The lower your pay, the lower your benefits.
Only 1/3rd of non government employees have short term disability insurance. If you're a white collar office employee, you maybe have a 50% chance of having short term disability insurance, with the higher you get paid, the more likely you have it.
But for the people that need it the most, lower paid service workers, only 20% have it.