I think the critics who complain about money, pensions and healthcare didn't do proper calculations. Gumroad pays from $50 to $250 per hour. Let's say you get $100 (below average) and work 60 hours per month (one-week vacation every month). This is $6000 per month, which is basically more than enough for a comfortable living in 95% places on the planet. They pay equal money regardless of location, so the proposition is great for anyone except a tiny number of people who want to live in extremely expensive places.