The other aspect, as you point out, is that it's a matter of choice. We expect that that lower- and middle-income self-employed people will be more likely to participate than higher-income people.
Those with higher incomes would receive a lesser benefit proportionately because of the maximum insurable earnings--in other words, the cap on how much they can collect. Those who have higher incomes also have more opportunity to set aside money for events like this.
We see a number of reasons. They may not want to participate, and that's fine, because it's their entrepreneurial spirit that is driving this. Some very small self-employed operations may not be able to afford it. They may say no to it. Or maybe it's a temporary thing for them. Maybe they're self-employed while they're looking for another job. That's fine.
But this provides flexibility. What we really don't want to do is hamstring the self-employed, because they are entrepreneurs and we want to encourage and foster that entrepreneurial spirit. That's what grows the country.