I definitely agree, even just looking at my past. I have had financial support for projects that went nowhere because I had no idea what I was doing.

But, on the other side of that, if financing is not available at the right time a business can fall apart pretty quickly. If employees are not paid, they quickly look for other work. Machinery falls apart if not maintained. There needs to be a reliable source of capital for any business to succeed.

It is up to the business owner to take out loans and allocate those resources responsibly.