People should remember too that bankruptcy is always an option. Both for a business and an individual for that matter. That is, nobody in theory should want to

People should remember too that bankruptcy is always an option. Both for a business and an individual for that matter. That is, nobody in theory should want to stiff their employees, clients, contractors, etc. But the reality is that businesses run out of money all the time. The odds that a new venture will survive 5 years are not good. You try and get paid but it's normal that clients will go out of business or barely survive without paying (and little point going after them if there is no money. Since "Going after them" takes time and money.)