Shash, I don't know if you ever ran any business, but my family certainly did during that period, and we were very lucky to scrape by and survived. Many failed through no fault of their own.

What you said isn't wrong, it's just cold. It's like saying anyone who fell on hard times during that period were because of their own incompetence and whatever. You know that's not true for most people, especially those who got laid off due to softened demand.