This is the cost of not having a social safety net and public services, where everybody pays a little bit and everybody benefits. It's not just the people who are self-employed that benefit. Their customers also benefit from lower prices, because self-employed people don't have such high expenses. Of course, it all gets paid for eventually anyway, but consistently over time, and ideally proportional to wealth and/or income, rather than randomly punishing people who happen to need repair work done.