早上八点，骑手邱凤英戴上头盔，骑上电瓶车穿梭在长沙的大街小巷中。她跑外卖八年，已经在长沙定居并主动给自己买了养老保险。 今年7月，美团养老保险补贴政策在长沙落地，此后邱凤英的账户里每月都能多出500多元的养老保险补贴。 "只要你买了养老保险，平台就自动把钱打到账户里。一个月500元，一年下来就是6000元，这是一笔不小的钱，缓解了不少生活压力。"邱凤英坦诚 道。 千里之外的宁波，骑手唐卫红每天上午10点上线跑单，下午4点准时收工，去接两个孩子放学。这份月入过万的工作，最吸引她的是能顾家。她在老家绍 兴自费缴纳社保，每个月1500元，美团养老保险补贴政策落地后，她每月能收到500元补贴。 "对我这种坚持交社保的人来说，等于每个月加薪500块。"唐卫红非常满意美团的养老保险补贴政策，收到补贴后还连忙跟身边同事安利。 几天前，美团宣布骑手养老保险补贴率先覆盖全国，向全部骑手开放，11月起，任何类型的骑手，在全国范围内，都能在缴纳养老保险后向美团领取现 金补贴。数百万骑手被纳入了保障体系。 邱凤英、唐卫红等个体喜悦的背后，折射的是一个宏大的时代命题。 美团数据显示，截至2024年9月，共有745万骑手在平台接过单，其 ...

Core Viewpoint - The article highlights the struggles of small and medium-sized restaurant owners in the face of high commissions and fees imposed by food delivery platforms like Meituan, leading to a growing sentiment of frustration and disillusionment among merchants [1][5][17]. Group 1: Financial Strain on Merchants - Many restaurant owners report that after deducting subsidies, commissions, and delivery fees, their actual earnings from orders are significantly low, often leaving them with less than 6% of the sale price [1][5]. - The high commission rates, which can reach around 30% when including various fees, severely impact the profitability of small businesses, making it difficult for them to sustain operations [15][22]. - Merchants express that despite their efforts to attract customers through promotions and advertising, the costs associated with these strategies often outweigh the benefits, leading to substantial financial losses [14][19]. Group 2: Emotional and Psychological Impact - The ongoing financial pressure creates a sense of defeat and hopelessness among restaurant owners, who feel trapped in a system that favors the platforms over their businesses [5][10]. - Many merchants describe their experiences as a "zero-sum game," where the competition and platform rules create an environment where only a few can thrive, while the majority struggle to survive [20][22]. - The emotional toll of constant financial strain leads some owners to abandon their entrepreneurial dreams, feeling that they are merely working for the platforms rather than running their own businesses [12][18]. Group 3: Shift in Business Strategies - In response to the challenges posed by delivery platforms, some merchants are exploring alternative business models, such as focusing on private customer bases and direct sales to avoid platform fees [23][24]. - There is a growing trend among restaurant owners to seek out new delivery channels, indicating a desire for a more equitable relationship with service providers [23]. - The article suggests that a restructuring of the distribution logic within the food delivery industry is necessary to create a more balanced ecosystem that benefits both merchants and consumers [23][24].