Some restuarants do this already. Clyde's, for example, offers a fairly robust benefit package. A friend of a friend recently took a job as a server with Clyde's and had to go through 5 days of training before starting work. I agree, however, that this is an easier burden for a large corporate chain like Clyde's than smaller single-store restaurants. If server benefits became standard, however, I am sure there would be group benefit providers that would sprout up that would permit mom and pop restaurants to buy in for their employees at a more affordable price than if they had to go it alone. They probably exist already.