And my point is you can’t be prepared for months of no revenue. No consumer is going to pay the high prices needed for a business to insure itself for an extinction level event, because an alternative business won’t and will offer lower prices.

For example, a hotel owner can choose to squirrel away cash to protect the hotel and its employees for months of no income. A competing hotel will instead choose to renovate the hotel. Which hotel will customers choose to stay at?