my SO worked in clinic that wasn’t open on holidays, but offered no holiday pay, so employees had to use the 10 or 14 vaca days they got to cover their 7 holidays, which they couldn’t have worked if they wanted to.

That sucks. I get 9ish holiday days/year (ish because sometimes we work New Years and get the holiday day for it the previous year) and we start at 2 weeks vacation in addition, with it going up with seniority, eventually capping out at 5 weeks. It is use it, sell it or lose it though - new vacation is granted at start of year and expires at end of year.