Why might a young professional like Zack need insurance protections absent in traditional employment?

A young professional like Zack might need insurance protections absent in traditional employment primarily to cover potential income gaps due to instability. Unlike traditional jobs, which often provide a consistent paycheck and benefits like paid sick leave and health insurance, self-employed individuals or those in gig work may face irregular income due to fluctuations in workload or client demand. Insurance can help mitigate these risks by providing financial support in the event of an unexpected loss of income, allowing Zack to maintain his financial stability even during lean periods.

The other options do not directly address the need for insurance in the context of income protection. Avoiding business expenses does not relate to insurance needs, while receiving additional benefits from clients does not provide the same security as insurance. Similarly, ensuring immediate funds for small projects does not reflect the broader financial protection that insurance can offer for income instability.