Our work on online freelancing also served as a probe on the emerging platform economy. Contrary to many concerns in the developed market economies, we found that almost all those participating in online freelancing were staying with their parents and doing the work part time. Concerns with variable income, uncertainty and difficulty in establishing credit were present, but in attenuated form. Which got us thinking about insurance as a mechanism to address those problems. Of course, health is one of the biggest uncertainties.