If that’s a clear line, how does zoning work? If there isn’t anything residential within ten minutes, your clear line flips: you cannot choose to live closer, so does everyone get paid an extra 20 minutes per day for the minimum commute? I don’t think it’s such a clear line.

It’s even fuzzier with the common situation of nothing remotely affordable within X minutes commute. You can’t choose a $3M home on minimum wage, so the delineation of what is and isn’t forced on you to do this job is very fuzzy.