I don’t think anyone does. Her employer got pissed at her over the reduced hours. 8 hours a week? She felt that was enough, about $100, to not claim unemployment. I suspect she got the ppp loan, and didn’t want to use it like she was supposed too, paying employees. A lot of small business people skate along, cheating at the margins, and this economy exposed a lot of them. My wife’s business tanked, but we used the downtime to refresh the whole shop, she is doing better now than before. But we are older, and have everything paid off. If this had hit 20 years ago, we would really be hurting. Friends of ours had a restaurant, it failed, but they had been trying to sell it for 3 years, lots of hours, not much money. A business can become a zombie, go on for years, not really thriving, just coasting, then a external event comes along and pushes it over the edge. Sorry for the extra words here.