Many of your points are true. But you might want to compare those who have a salaried job and are allowed to work remotely versus self employed who work from home.

Salaried employees know how much they make and what the boundaries/requirements are.

Early in my 28 years of being self employed I felt like I had to always be on. Didn’t even give myself lunch breaks for fear of missing an email or phone call. It took a long time to give myself permission to do things other than work. The financial part is a whole other learning curve.

Financial Tips For Freelancers