However, you could bankrupt, in which case it's hard and you will do badly and then they would not give you loans even if that could save your business.
So, being a worker, an employee, is al ot better and we should always look for that if we are not ready to take risks and I am not ready to take risks so I am not chasing financial freedom myself, I want to just get my salary and be happy, and I love my job, so I am fine.
But what if it's the company you're working for that declares bankruptcy and they suddenly layoff their employees? Sure, you can apply to a new job but you can't guarantee if you will be accepted immediately. Being an employee has risks too. You don't hold the future and don't know if you can work until you go old. It's not wrong to be contented as a regular employee with a stable job and income but being financially free is still important regardless of your plans in life.
If you secure your financials, you will have a peace of mind on your future. You will be prepared to face unforeseen situations like medical emergencies or like the example above where you don't have an income for some months while you don't have a job. Worst case is that you will get in debt because you ignore managing your finance and contented just working and getting your salary.