You're probably referring to health insurance, but that isn't a major problem. Health insurance is commercial, but regulated.
Employees are insured for unemployment, disability etc. Your employer is insured to cover your wages if you're sick. If you're self employed, you either don't get paid for hours not spent working, or you have to buy similar insurances commercially. You will also need insurance for liability and probably for legal costs. If you're good at your job and good at selling yourself, you probably make more than an employee would, but the 60 an hour are not pure profit.
Employees are insured for unemployment, disability etc. Your employer is insured to cover your wages if you're sick. If you're self employed, you either don't get paid for hours not spent working, or you have to buy similar insurances commercially. You will also need insurance for liability and probably for legal costs. If you're good at your job and good at selling yourself, you probably make more than an employee would, but the 60 an hour are not pure profit.