Comment by timeinput

I mean even with out employer based health care there's trouble with mortgages and rent. A sufficient social safety net + UBI might work out for some. You should not discount the fear of a "changing lifestyle" where you lose your cushy job for a chance.

In a debt based economy moving from a (relatively consistent) $250k / year job that (already) took months of random month long "paid internships (that presumably paid less than that salary)" to find a new $275k / year job (that also takes month long paid internships) might not be practical or desirable, especially if I bough a $500k house with a mortgage.

It can get even worse in places like the UK. "Oh you need to refinance to afford your home (because you do that every several years)? well your salary (and your temporary job) doesn't qualify you, so you're paying extra (or selling your house) -- because we can".

The main take away of my statement is that even if you can avoid employer based health care there are other shackles that keep your proposal from working practically for lots of people. This whole "we can fire you at any time because we feel like it, and it will totally ruin your life" is really hard for people to actually manage their lives around.