If you're confused, then you have a lot in common with many Uber drivers!
That language, offloads, is loaded. This idea that it's someone else's responsibility to handle even the most trivial of life's decisions for us is toxic. If you don't understand the basic concepts around running a small business, there's plenty of books on the subject in the library.
Where on earth is that number coming from? Uber?
https://www.buzzfeed.com/carolineodonovan/internal-uber-driv...
"In early 2015, a study commissioned by Uber found that drivers in 20 cities, including New York, Los Angeles, San Francisco, and Boston, were grossing around $17 an hour.... But the $17-an-hour figure was based on data from 2014, when Uber rates in most cities were higher than they were in late 2015. It was also based on gross earnings and did not account for driver expenses."
This is from an article complaining about how little Uber drivers make...
>But in three large metropolitan cities, drivers make far less than the national average, about $20 per hour, after expenses.
"None of these advertisements mention driver expenses. The same goes for the alerts Uber sends to drivers — sometimes five times a day or more — telling them that other drivers on the road were making $20 or $30 an hour in gross fares."
Yes, if you're poor it will be harder to buy health insurance, but you can avoid consumer debt at virtually any income. You can save up an emergency fund at virtually any income level. The fact that it might get more difficult to do any of these things as you get closer and closer to the lowest end of the poverty spectrum... is that really the argument we're trying to have? Because that seems like a silly thing to interject in a conversation about people who are going to be starting and running small businesses.