Is this perspective off?
No, but there’s a lot more going on here than just health insurance. The primary way that an American aggregates wealth over time is equity in real estate, aka their home.
In order to get a mortgage, the lenders demand, and for good reason, proof of stable employment. They want to see full time jobs with long tenure, as well as the ability to pay. Traditionally, when income comes from self-employment and/or contracting (gigging), they demand HIGHER credit scores, HIGHER down payments, and offer interest rate which are not their best.
And you really don’t want to change any of that, because…….changing that is what led to the meltdown in 2008.
So, the gig economy, where low paying jobs are available on an on-demand basis…….over the long term, impoverishes America.