[corty]

It is also misleading because a lot of businesses, especially small ones, do have a single point of failure: Get banned by your payment provider or payments frozen for some reason and you are done. Get dragged into a lawsuit by a customer, done. Have your restaurant fail a health inspection, done (well, far too rarely, but happens).

And COVID-19 also shows that larger businesses can be more resilient to unforeseen catastrophes, although I would hope something COVID-19-like to be rare enough not to matter too much.