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Feel the need to address certain posts
This is called painting with a very broad brush. How can you claim that as accurate? Saying 'no such places' means you have literally checked into, inquired and experienced EVERY company out there which I would assume would be thousands. I currently work for a company as an IC and it is straight transcription and hire only IC MTs. I am paid much over the standard that's currently offered by a majority of MTSOs.
Again, painting a broad brush to speak for everyone when it's just YOU that is having this opinion. 'Forced into it' ?? How is that possible? I tried for 5 years at 3 different companies before I found the one I'm in now, 3 years this month! Yes, it can be done. Of course you choose, it's not black or white='I'll either have a crappy job or get out' smacks of a defeatist. It takes effort and determination, and not caving in to meet a short-term solution. Think long-term when picking out a company; like a spouse or a car or a house.
My company is based out of Ohio, I work in California. We are NOT required to obtain liability insurance to maintain employment. I may check with our insurance company who handles our car and rental policies, perhaps I can get professional insurance and use it for a tax write-off as a business deduction.
This is NOT a dying line of work, it has gone through a metamorphosis for sure, but still a viable way to make a living. Negativity breeds complacency.