Not a point of disagreement. The speakers likely agree that the government could cut spending by reducing the number of its employees. The issue is whether replacing those employees with private contractors would cost more or less than keeping those employees on the payroll.

This is a point of disagreement. Javier thinks the government would save money. Mykayla provides evidence suggesting the government would not save money.

Mykayla doesn’t express an opinion. She doesn’t discuss the wages of government workers and private sector employees. She only discusses the amount the government paid for services. This doesn’t necessarily translate to wages, since payments can include various non-wage expenses.

Neither expresses an opinion. Nobody specifies whether every service could be done by a private contractor. In any case, even if they did express an opinion, there’s no indication the speakers have opposing views.

Neither expresses an opinion. Javier discusses comparative hourly wages, and Mykayla discusses comparative payments on contracts, but neither discusses total spending on employees vs. contractors.