We're getting way off topic here, but you have a horribly misguided premise here. A typical shopkeeper is not in the .1% 'cash hoarding' class. Small business

We're getting way off topic here, but you have a horribly misguided premise here. A typical shopkeeper is not in the .1% 'cash hoarding' class. Small businesses are mostly run by people with average resources, and their capital is typically spent on their business and personal needs.