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Businesses come and go. Some are naturally more resilient than others, but there's very little to protect your average business from failing and going bankrupt. In fact, studies have shown that up to 70% of small businesses fail within their first 10 years. A whopping 70% of value destruction!
Larger and publicly-traded companies may be more resilient, but they are not immune to bankruptcy either. Just think for a second about all the market leaders 10-20 years ago. Then think back to today.