Where are we taking anti-individual stances? I'm pretty sure you are misreading the world here. Nobody mentioned individuals at all - the question is just how much you blame businesses vs lawmakers.

I claim that the blame here really rests on big government for creating this fucked up system, not the businesses that work within it. By the way, I blame the government for the PPP fiasco too.

None of this is particularly pro-business, but a lot of people are apologists for big government and need to be disabused of that notion.