I'll go first.
It is a big question in many ways, and a very philosophical question. I think most people would agree that this is the churn, right? Small businesses are created and lost every single day, and every year businesses come and go.
The difference right now that we have to recognize is that a lot of businesses might be struggling and near the end of their lives, but it's not because of something they did as a company. They did everything right, but they then had to shut down. They had to do things to help society at large, and as a result, they have incurred lots of debt. They have incurred lots of stress. They have lost their employees and have to figure out how to build back. I think that's the difference.
I would completely agree with you that you have to adapt, because society has changed and the competition changes. That's just the nature of things, and businesses are fine with that. However, when you go through a pandemic in which changes were pushed onto you that created circumstances that you couldn't control, that's where I think it's a bit different, and we have to think a bit more about how to help businesses that might still be very viable, might still have opportunities in the future and are willing to shift and change. Thousands and thousands of businesses did. Many pivoted and shifted and did things differently throughout the pandemic. Now they're at a point of deciding. Do they go back to their old ways, do they stick with where they are or do they go in a different direction?
A lot of businesses are doing that every single day. We're fortunate that we have people who are willing to do that, but we still need to recognize that there are businesses that are struggling still because of debt. We need to be empathetic to that and think about how we can still help them get out of that, to a point. I agree that there's a point where you're going to have to say, “No more.”