An interesting and instructive example of the last few years from Russia.
In order to save on taxes when calculating wages, one entrepreneur ceased to officially pay his employees, and in order not to issue the salary "black" in envelopes and not burn on it, opened a small insurance company and insured all employees "from the beginning of the first day of the month".
Accordingly, every month there was a "insurance case", and employees received money completely openly on insurance, but only without any taxes, which, as you know, are not charged to insurance payments.
You will not stick...