The world of business is always in flux. The idea of commerce standing still is completely contrary to the entire concept. It isn’t impossible, but likely improbable. Even when the US housing bubble burst in 2008, rocking the very foundation of the banking industry, business kept morphing and marching forward.
Small brick and mortar business owners found themselves without the backing of their long standing banking partners. These institutions trimmed their client base like a tree service on a rampage. The self-employed little guy was considered slash, and left out to dry.