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> but if your company cannot continue operating because its shut/slowed down for 2 weeks then it’s likely that your business was running on a knifes edge and /any/ shock would have killed it.

Nearly all businesses in reasonably competitive markets have thin margins. You buy a widget and sell it for 30% more, but then most of that 30% goes to rent and utilities and salaries etc. Your actual net profit margin is more like 2%.

The result is that most businesses do fail if they're hit with any kind of major shock. Which happens all the time. It's supposed to. Mistakes have consequences. A business failing here and there is reasonable and expected.

But it's a completely different kind of problem when it happens to everybody all at once.



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