I did BK law for about 10 years. Going bk “suddenly” was the common reaction with most clients, but looking at their books, it was easy to seek coming. Clients were in denial / consuming hopium to convince themselves otherwise.
The signs of a crumbling economy are everywhere. Matter of time. Just see the signs and don’t drink from Da Nile.
I have a friend that provides business insurance for small businesses. A LOT of his customers are opting out of business insurance. Think that through.