This is like saying, if you are in credit card debt and not prepared for a disaster, you are on your own. While this is true, this logic simply doesn't work in

This is like saying, if you are in credit card debt and not prepared for a disaster, you are on your own. While this is true, this logic simply doesn't work in aggregate because the status quo is millions of people are in debt. Similarly, most small businesses operate with very little operating cash flow, and that is simply how our economy operates.