I'd also add that as a musician back in the day, I was so financially illiterate. The goal of touring and recording was just to pay the rent. Contributing to a pension was so far away from my thinking and even possible. I wish financial planning was taught more.
If actors and screenwriters need motivation, they could look to music and see what what happens without collective bargaining. Spotify pays us $0.0030 a stream, max. Our touring expenses keep pace with inflation and our fees do not. We’re on our own for healthcare. Pensions? Uh…