People use those as magic words to absolve people of responsibility, humanity, and guilt. Nothing about 'business' mitigates those, IMO. Why would it?
I think it's laziness and irresponsibility to just elminiate essential requirements and responsibilities because you don't want to put in the effort.
At the same time, the risks of 'business' are affordable to some people: They can get another job, can afford the layoff, etc. But for many people, especially in the US with a poor workers comp situation for very many people and where health care, housing, education, and nutrition (for many) depend on income, it's not affordable.
Another cliche or magic word is 'reality' - as in, 'my point is reality' and therefore anything that disagrees must be fantastical. It's also the old rhetorical tactic of claiming inevitability.
The reality is that everyone acts with ethics; it's a matter of degree: businesses don't murder people, for example. Another reality is that we make reality the way we want it; to say we can't make it otherwise is simply to fold.
And why not be your own boss? It might take some work to get there, but I think the most important requirement for being your own boss is the drive and adaptability to overcome all the challenges.