Agreed. I'm essentially out on the streets in a few months if I don't maintain in income. And that's a lot easier done with accumulated capital than it is by labor. Of course we could just chop the legs off many contrived industries like finance, and stop bilking everyone with usury, if we just realized the authority to mint money is the peoples to begin with. We could get loans from our own government. That would stop a lot of implicit or soft abuse.
One commenter said the trash man wants more money, but instead enjoys his weekends. I can't agree. He should be paid more. The books should be open, either through union power or worker's cooperative power. Taking out the trash is a valuable service, if no one does it, it's a pretty big deal very fast. That requires a form of solidarity between workers to exercise that power, but it's all about the trash man's ability to demand it. Employment is predatory if you examine the nature of the employer-employee relationship, and the goal is achieved because people are desperate. Including me, and I'm in software.
Your point about money buying back your time is an important one, because that's your freedom of choice. Freedom of choice does involve Pepsi vs Coke, but it more importantly involves how you spend a very short and finite life.
Simply put, my country (the US), needs more unions. It won't be perfect, no human endeavor ever is, but it will be better.