Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Why do consultants or contractors make more money than employees?
All the existing answers are right and the general theme is: contracting is a different kind of relationship. It's a business-to-business relationship rather than a business-to-employee relationship. This has implications such as: Of course, some contractors are effectively just over-paid employees, and some of the above points don't apply to them, but that's the idea behind bona fide contracting.