Because if you're in business, you have to know a really, really, really bad time is coming. So save up a lot in the biz and be ready for it. Whatever it is. Regardless of yeas of doing business that tells you and leads you to other conclusions on how to best utilize your resources.

Go talk to any business person, including doctors in private practice about this. Ask why they didn't see it coming, plan for it, and allocate the money in the right areas to address this specific event.