Owners typically don't run a business. Those that do pay themselves a salary. If they don't run a business they are called "investors". Investors typically understand they can lose all of their investment and are in a position where if they do they are fine. This is not true of most people working. Most people working are living paycheck to paycheck. If they fail they are risking far more than an investor in the sense that their life changes. An investor on the other hand already "lost the money" when they wrote a check, and don't need it to survive.

> Owners typically don't run a business. Those that do pay themselves a salary

But they still risk all their capital as well. If you take a loan and use it to open a restaurant, are you taking more risk than an employee who's paid?

This doesn't seem that complicated.