Just as a hypothetical to illustrate my point, it's really common for small business owners in low margin businesses (like retail and restaurants) to have take-

Just as a hypothetical to illustrate my point, it's really common for small business owners in low margin businesses (like retail and restaurants) to have take-home pay of about $50,000 on $1,000,000 of revenue, which means they have $950,000 of expenses in a year. Even if they don't have to pay for certain parts of their business when they're shut down, how many hundreds of thousands of dollars of debt would they need to take on to keep the business in existence for the next few months? How many hundreds of thousands of dollars of debt can $50,000 of net income service, even at .5% interest? Those dollars for debt service come straight out of the dollars for living expenses. It may be better than nothing, but it may also not be. Trying to start over from scratch may be better than trying to start back up with basically any kind of additional debt.