Right, and when the system run by the banks and government crashes again, and it will, small-business owners with no retained earnings can count on you for the money to keep businesses running and employees working.  Unlike governments that plan 4 years at a time, businesses need to brace for any eventuality.  If it is a downturn, the money keeps people working.  If they survive to a ripe old age, it damn well should be theirs to enjoy.