One of these things can be fixed, the other will always be a risk as long as humans are involved.
That's correct, the second one can get fixed with higher wages and benefits, like when Ford introduced the “$5 a day” (doubling market average).
Once you've thought that through, apply the same reasoning to human beings in general, not just white-collar HN denizens. Few people want to work a hard blue-collar job for the same reason you and I don't want to: we have better things to do with our time.
You defended your perspective by arguing, correctly, that people take undesirable jobs because they don't have a choice. We agree there as well, and my point is that this is a form of coercion in itself. The status quo treats humans as if they were robots.
(And I really don't care if someone thinks I live in a cave. Life in my cave is actually pretty comfy. It beats the hell out of a warehouse or a cube maze at a click farm. It's a privilege, one I'd like to see more equitably distributed.)