The reason airbnb and uber exist is because the prior business models are broken with regards to a big enough portion of their potential customers. A conversation with the average taxi driver will reveal the job is no ticket to the high life or consistent pay. The way forward is to get rid of the concept of 'benefits' packages and just let people work for a gross pay and let themselves choose their own benefits from…
This. Among other things, it would go a long way towards fixing the health insurance problems in the country. One of the reasons the private health insurance market is so dysfunctional is that relatively few people participate in it (most people are covered by their employers).