I think that people misunderstand passive investments—and there are some things there that also need changing—because they assume that they're only for retirement savings. I don't know how many business owners you've spoken to, but they're saving money for the days when they have no money and they have to make changes to their business. If there's money left, yes, they will use it for their retirement savings, so passive investments are a big part of that. However, passive investments also provide funding for the lean years. When things change in a person's business, that person needs the money to survive, so passive investments have many different uses. There's the retirement part, and there's the funding of business part, which is relevant in our context.
I remember my dad was a small business owner, and he mortgaged our house so that he could pay employees. I've seen this in action. I've seen small business owners take every cent they have to keep their businesses running.