You misunderstand me. My comment wasn't suggesting that people who contract don't have families. Plenty of them do. It's that people who choose employment over contracting do so because they want the additional stability, for example if they have families.

Lots of people, when evaluating the risks of contracting vs employment, find the reward far outweighs the risk. It sounds like you'd be one of them if you were presented with the same choice. And that's a fine decision for you to come to. But that's not going to be the same conclusion for everyone.