It’s kind of muddleheaded thinking to conflate net worth with liquidity.
The business may have a net worth a lot but it’s all tied up in inventory, equipment, buildings, credit, vehicles etc.
My dad owned a pretty successful business that employed about 100 men. When times got tough, guess who took the first pay cut. I was a kid but from what I remember, it was a very significant pay cut, like 50% or something like that. But the company stayed afloat and most employees stayed employed.
We were not rich by any means.
Umm, still didn't really answer the question.
Most people don't understand being responsible for a business.