Honestly - I didnt differenciate between the two. Made for a simpler argument.
Payroll taxes (at least in my country) as the name implies are taken from people that are employed, income tax from people that are self-employed. Apart from that - no difference as far as my argument is concerned.
What you are now shouting against is progressive income tax.
Which is the only thing that counteracts a systems error that can be described as 'money draws in more money' - meaning the advantage of high income people while investing is cumulative. ('The rich are getting richer, without taking on risk').
If you now are against that as well - you kind of don't understand what the underlying problem of our times is..
You dont pay income tax on earnings saved towards retirement, because that would be akin to 'double taxation'. The government would take Income away to (mainly) provide for your retirement, while you are already providing for your retirement, so the state acknowledges that and doesnt force you to pay income tax - on the part you are already saving towards retirement. Only specific vehicles are accredited (namely ones where you are not at risk, loosing all (/significant) amounts of that money (speculation)).
I don't advocate for 'everyone to be a winner', just for the losers to be able to live without resorting to 'fights' over food, shelter or water. In rich societies. Again - I dont have to use an individual argument, structurally it makes more sense, if you prevent cities from becoming derelict, if lets say 30% of the workforce drop out of work (and in your world most others would choose to leave). It allows for a quicker 'upstart' when someone manages to do something in that region that brings it on a growth path again.
I'd also argue for free medical treatment for your poor - also because of structural issues. See pandemic. (If in part of your town, smallpox is still a thing, ...)
You are just a little shmuk, that hide behind word definitions at this point, ones he doesnt even understand, that doesnt want to take on responsibility for anyone but yourself and are whining, that the world doesnt work according to your ideology (which is outdated by several hundreds of years) - because look at all the money youd be missing. You use words like 'terrible' for base systems of todays society - you have no idea how you'd tackle any of the issues arising, if you take them out. You havent even thought about it -
yet you feel entitled as hell.
You must work in middle management?
Do you live in a gated community by any chance?