Being non-employee at these income levels is just horrible deal. Miss quite many things from pensions to possible unemployment benefits and possibly even paid vacation.
It only really starts to become reasonable if you can bill yourself as consultant in fields like IT.
There’s also no reason an employee couldn’t have fully flexible hours if the business model is suitable anyway. Well, in principle no reason, anyway, in practice current employment legislation and collective agreements in Finland place limits on working times because historically the risk of employers voluntelling employees to work less-than-pleasant hours has been deemed too high.
It only really starts to become reasonable if you can bill yourself as consultant in fields like IT.