Man you are clever as radio as we say here. Ever heard about immediatelly usable reserve which every business should have for cases of dealing with some sudden problems? Like your office gets robbed. OK, you have assurace, but that's gonna take weeks at least to get moeny from that. You have to buy new equipment yesterday and keep going
There is not many other possibilities than cash you can have for that.
You do realize that you can't use all of the money in your bank account right? A lot of it does not exist, hence transaction limits. If you put all of your money in cash you are essentially throwing a lot of it away. This is why Gates, Slim, Ortega, etc all invest. And also, why would getting the money from your insurance company take longer than actually paying it?
Be my guest. But don't force me to do that, ai?
Most people running business want nothing from the regime but t be left alone. Why the hell they should care about some theft taxes? What for, so that the regime is making obstacles for the business? Come on, running business is more about going through fascistic regulations, burreaucracy and other regime things which only complicate it, than about actually trying to offer better stuff than competition lately.
So you claim taxes are a "theft', but I bet all the money in the world that you use the utilities provided for by taxes. How is that fair, and why should I feel sympathy for someone that avoids taxes? True, OP did choose the more "competitive" business option, but that does not make it any less immoral. And obviously, his business did not end up on top as he lost all of the money.