Nobody is getting housing for 1/4 of a single income where I am. As a small business owner if I only worked 40 hours a week, half of my income would go to my mortgage and I bought a very very modest home. It is at the point where what my market will bear is not worth it to hire employees for $30/hr (CAD) and profit $5/hr off their work. No problem with doing labour myself, that is expected. 90% of the people posting here are like me, by themselves or a handful of employees, still doing labour themselves. Most of us never got rich off employee labour and probably never would.