Speaking as one of those business owners, this is an overly simplistic and (sorry, but true) ignorant viewpoint of small business owners. I have never lived beyond middle class and i spent my 'savings' paying employees for 3 or 4 pay periods without income coming in because the government said they were going to help. The PPP i was offered on the second go round didnt allow me to reimburse myself for the money i paid out and it didnt offer anything that would help pay the bills plus try to reopen