In recent years, it has become not having coworkers.
I'm a better coder than I used to be, so the software development itself is easier than it once was. But what was very hard was that after the dot-com crash, the clients always demanded fixed-cost contracts, they were never willing to pay hourly any more.
If I ran into an unexpected obstacle, I'd have to eat the cost of it. I always completed on my deliverables, as I regard that as the ethical thing to do. Even if I didn't, I had my reputation to consider.