> especially for a smaller business or individual, can be the difference between a bad night and bankruptcy.

Just because this isn't a good solution for everyone, doesn't mean it's not a good solution for a large number of people and businesses.

A lot of businesses can tolerate outages. In fact, even very big businesses come out mostly unscathed when they have multi-hour outages. (how many is it for github this year?)

An outage causes a reputational black eye. It does not necessarily translate to lost income.