I have two companies. Both were disrupted by Covid. One benefited, one did not. We did no layoffs and we didn't take PPP (or any other CARES Act bailout money) for either, because we didn't need it. Everyone said I was crazy for doing that, but karma's a bitch.
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It becomes part of the calculus, not the main reason, but a cost.
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Life isn't fair, especially for entrepreneurs. If you want to earn big money, you must accept big risk and big problems.
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It's all a time arbitrage really :), until time eventually catches up with us.... hopefully many decades later
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