Earlier quoted context omitted.
As parent said, in good times (demand >> supply), the difference between individual optimal and union optimal is relatively small. Or negative! In bad times (demand Ergo, you're not going to see a lot of union benefits in good times.
People don't pay a monthly subscription for a lawyer their not likely to use even though a lawsuit or criminal charge is one bad day away. You're view of supply and demand matches that of a paranoid actor rather than a rational one. If ever the market were to contract, there are alternative solutions like savings, downsizing, or looking for another job. It's not as though one company has a monopoly on all the job opp…
Sure they do. TurboTax offers for an extra fee on filing legal insurance that covers a legal defense if the IRS challenges you.
One of my past employers offered a legal program as an optional perk we could opt in to, as well.
https://www.abajournal.com/web/article/law-firm-subscription...