Earlier quoted context omitted.
Nice platitudes. Do you believe that poor people are similarly incapable of buying car insurance?
yes sometimes they are - because they are poor. The reason many poor contractors can't afford things like disability insurance is because they don't have the money. They have sub optimal spending habits thanks to poverty traps when they have much less income to begin with.
Please read the full context of the conversation. This is not a discussion about whether a specific poor person might have enough dollars in their pocket to buy disability insurance. This is a discussion about whether or not poor people have the cognitive ability to purchase disability insurance. The OP suggested that by the very nature of being poor a person should not be expected to be able to attain the "expertise" required to purchase disability insurance.
My contention is that this is a disgustingly classist view against poor people. Poor people, by and large, seem perfectly capable of purchasing car insurance, and disability insurance is generally less complicated.