I didnt mean to imply every business or situation is the same. Businesses are run as differently as there are opinions online, to varying degrees of success. When owners and management share the responsibility of the company with the working class, it can work perfectly fine.

When I say they only bear it financially I mean that literally. Defaulting on a business loan very rarely means losing a home or the means to feed your family. Thats why its accurate to say they just have to go get a job.

There is a difference in how people are treated when they lose their job vs losing their business. Its much harder to argue that losing your job is a good thing but plenty of people accept that business owners will fail before getting it "right".