I don&#x27;t think anyone is arguing it&#x27;s easy to run a restaurant, or even to start one. That&#x27;s not the point. The point is that someone having a business that&#x27;s failing, or losing their job for that matter, has not had their &quot;livelihood destroyed&quot;. They have had one tool in maintaining their livelihood removed, it does not mean they have no more.<p>And while capital does not (and really should not) line up easily for restaurateurs, I would still argue that someone who can raise capital once has a well above average chance of being able to raise it twice, regardless of the risk of the venture. This also assumes the only choice a business owner has when their business fails is to start another.