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From doing a lot of customer dinners in the United States with FreshBooks customers, the absolute top of the list with a bullet number one reason Americans don't quit their day job and start freelancing or start a business is lack of health insurance.

I'd bet most of our customers don't have health insurance, and that's why we push them to professional organizations like the Freelancer's Union and AIGA.

My personal beliefs: It seems counterproductive to me to make citizens risk their entire future just because you wanted to be innovative or fill an unserviced need in society.




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