What if there is a sudden need for money that the owners of a crypto business cannot afford, how do they raise money for it without borrowing or taking loans? It is not abnormal for a business to borrow; most businesses are not completely free from debts. What is important is how they are handling it, as a business don't take loans that you know will be difficult to pay in a short period, staying in debt for a long time in business can bring problems to the business.
Yeah, and the biggest mistake is involving the finances that should be reserved to guarantee users or customers.
On the other hand, my mind is wondering what are the sudden things in the exchange business and are they supposed to do it? Sometimes people don't know what "must" or just "better" be done. But when talking about business competition, everything becomes a must.