We make choices within contexts other people create.
The gig economy keeps pushing risks and cost down the chain, while also showing signs that it may not be a sustainable model as a whole without venture capital to burn through or an end game of predatory monopolist behavior within the market region.
There are many situations where it's best if the societal bargain restricts the options available.
Like for example, it's illegal to sell yourself into slavery or indentured servitude. That's a choice you are not legally allowed to make.
People take risks. Life is all about risk and choices. I will never believe it is moral to take those choices from anyone.