Is $200/month a lot of money when you can multiply your productivity? It depends but the most valuable currency in life is time. For some, spending thousands a month would be worth it.
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Here in EU, if not stated in your work agreement, it's pretty common people work full time job and also as a self-employed contractor for other companies.
So when I'm finished with my work, HO of course, I just work on my "contractor" projects.
Honestly, I wouldn't sign a full time contract banning me from other work.
And if you have enough customers, you just drop full time job. And just pay social security and health insurance, which you must pay by law anyway.
And specially in my country, it's even more ridiculous that as self-employed you pay lower taxes than full time employees, which truth to be told are ridiculously high. Nearly 40% of your salary.
There are always loopholes and ways to work around which our tax code will happily discover and kill year on year.
So you get to pick how you want to pay tax but the amount usually isn’t much different when you get to the highest brackets