This is my point exactly. Most, not all, that work at self employment at a reduced price has some type of health care. It is either the state or some kind of federal subsidized health care that the tax payers are picking up for them or they just go to the hospital and never pay the bill so it gets passed on to those who do pay.
Most, not all, which work at self employment at a reduced price does not pay their fair share of taxes to help with those who are being subsidized either. Some not all have a house full of young ones running around that are drawing state help and guess who is paying that bill.
It has been my experience over the past 40 plus years of being in the construction field that a true bona-fide self employed person can not make it doing work for $20 an hour. There is no way that a profit can be shown at this hourly rate.
It is this reason that so many contractors that do things right and have the proper licenses and insurance sort of look down their nose at the “handy man” repair person that is not doing things like they are supposed to be doing.