Re: easy pickings
"Eh? The point I'm making is that permies don't have the flexibility of contractors to spend their own money as they see fit "
I believe the AC who responded to you by suggesting that you try it out by becoming a freelance contractor - that way you will have the freedoms and benefits you are referring to.
Whilst we can (and should) pay ourselves sick pay from the company coffers, if we aren't working then those coffers dry up pretty quickly. Getting paid sick leave from as part of a salaried job doesn't run out in quite the same way.