Your tone suggests that "small business owners" suggest that they're all better off financially than the average salaried employee. Well, as a former restauran

Your tone suggests that "small business owners" suggest that they're all better off financially than the average salaried employee. Well, as a former restaurant owner, I can tell you that in good times, the margins across the industry is 5% if you're doing above average. That means, a $2MM restaurant (which isn't an easy feat, even in NYC) will only net the owner $100K. Loans were, and always will be, a false promise. There's too many variables in the equation that make it not appealing. TLDR; Small business owners don't have "wealth." Get that out of your head and be sympathetic to what small business owners that you frequent have to deal with.