Once again, Alex, you shamelessly display your ignorance.
My 'small' business, for example, has monthly costs of almost $500K.
I must keep a substantial cushion, for as long as the business operates, to ensure the welfare of the company, my employees, and my family, etc.
Should that 'cushion' earn nothing? Not be prudently invested? Be penalized?
Jealous people commenting on these issues sully the discussion.