your dodge re whips is all but irrelevant.
Presumably you qualified "irrelevant" with "all but" because you'd read
Tess Kingham's article. "My constituency was threatened with the withdrawal of resources by one whip." A few dozen licensed rebels, many of whom have been in place for years and would be difficult to remove, don't eliminate the dark art of the whips.
As for financially independent MPs not having separate viewpoints, just take a cursory look at 19th century legislation. The Reform Act 1867, or the failed attempt by the Liberal government to get Charles Bradlaugh into parliament. How am I opposed to people being allowed "simple democratic choices"? Right now, they vote for people whose votes will be coerced. Very democratic. I'm opposed to the governing party having the power to bully and intimidate its members.
As for capitalism dictating their choices, that wouldn't apply to those 29 Labour MPs, and anyway, I don't go for economic reductivism.
As for your curious suggestion that I don't know the difference between MPs and government, the current situation, where MPs can enter Parliament after having done nothing else, makes it all the more likely they'll want to "progress" in their "career". That's the root of all this: why should politics be a career, instead of a vocation?
If MPs are to remain on the paybooks, how would you increase their independence?