I know it has been 12-15 years ago; but I was doing skid steer work at $75/hr; no insurance, no taxes, and I figured out I wasn't doing very well for myself. The cost to go look at a job, getting paid, and people thought you were making $75/hr; and that you could just swing back by and touch things up... Honestly, I could run the machine, but had no idea what I was doing business wise.
Smart phones, mobile card scanners, etc. weren't a thing yet.
Also was doing handy man work for $35/hr, plus materials; and found out fast that small things; misc screws, sand paper, trips to quote, kicked my butt. Did some 1099 work; and didn't increase rates to cover taxes/SS/ etc... Figure I was 25 or so at the time; and would do things a lot different now.
That’s the biggest aggravation with the “chucks in a truck”. Not only do they make it hard for all legitimate contractors to bid/win jobs, they’re not really making any money on top of it.