[satellite2]

It's easier, cleaner and more profitable to promote risk limiting behaviors and to keep the rate similar, apply partial discounts or delay discounts

[Ericson2314]

I think there is a only a few band of middlebrow jobs in the US where employers are cost sensitive. I think most shit jobs won't give you good benefits either way (by various legal mechanism), and most good jobs will buy at at any most price or there will be elite rebellion.

Thus, I conclude demand is is mostly (piecewise) inelastic enough that the increased profitability you speak of is thrown into serious doubt.