Actually, hard times make many people discount the future more. Why spend a lot of money up front on a solution that will sustain you for four years when the od

Actually, hard times make many people discount the future more. Why spend a lot of money up front on a solution that will sustain you for four years when the odds that your company won't last one year have just gone up? In extreme cases, businesses with cash flow problems are just like poor people, who are forced to patronize ripoffs like check-cashing places, payday loan sharks, and Rent-A-Centers because they can't afford the minimum balance or down payment on a better solution. They live day-to-day. So do businesses in trouble.