This is insane.  Thanks for the feedback guys.  Basically, what you're saying is, if you work on your own, everything falls on your shoulders, there's no pension (unless you start saving - likely not much) and if/when it hits the fan, you're doomed. 

"Not me. I'm going viking style with all my meagre possessions and savings put around my body in a boat then torched. I figure the residual alcohol content will mean fireball on ignition." - the great Minister of Love