I'm talking about a system at scale, not individual actors. You don't know what I'm doing as an individual and it's not relevant to a discussion of material reality as observed. If your solution to this problem at scale is for everyone to become a rich employer in order to avoid wage theft, I don't know what to tell you

Re: risk staked, I will add that for many business owners their greatest risk and fear is simply having to work for a wage themselves.