Poland requires JDG owners to pay 1773.96zł monthly ZUS regardless of earnings. ZUS rises to 2100zł next year even without income. Bailiffs seize assets for unpaid ZUS. JDG becomes debt generator during business slumps. Testing new business triggers full ZUS immediately. ZUS exemption limited to once every 5 years for 6 months. Exceeding 3500zł in non-registered activity forces full JDG ZUS. Germany charges half Poland's amount when no earnings. France, Norway, Denmark avoid destroying low-earners with mandatory payments. Only Spain, Slovenia, Hungary match Poland's harsh system. NFZ health contributions are standard across Europe.