Earlier quoted context omitted.
If employers have such a sweet deal, just become an employer? Why is there an entitlement for employment?
Because most new businesses fail. So the people best suited to start ones are people with a safety net: a lot of cash saved up, or a well off family to support them. In short, the people who can't afford to lose their jobs also cannot afford to fail in business.
Isn't it the job of the banking system to enable people to start businesses?