Costs too much to start a small business, in many cases. This isn’t like the 1930’s, where you can start selling salt and build up from there.
I agree it would be difficult.
Here in Florida, we like to have a company service our pools. Two locations. We want to pay cash. Outfits are too dependent on third parties for billing that they can’t get a simple cash customer a ledger showing payments if I don’t use online pay services.
In 3 months we’ve paid them $1000, in cash, and they are dropping us for the younger customer base that pays everything online.