If you truly are in a position where you can have live off (non retirement I assume) savings for more than a year, you are in the tiny minority of the American

If you truly are in a position where you can have live off (non retirement I assume) savings for more than a year, you are in the tiny minority of the American population. Likely true for other countries. And just like you, very few restaurants are in the position to put that much in savings. Running restaurant is crazy hard for all but the few top percent Margins are thin. Competition is tough