Running a business presents challenges such as managing finances on a wide scale, including ensuring that bills are paid, that credit is not misused and keeping doors open. In recessions, there are challenges faced by business owners who may be unable to keep their commitments or meet their financial obligations. If you were a struggling employer, how would you handle that situation? 

Do you think there are ways to combat such challenges without having to lay off employees or shut down altogether? Discuss the ethical concerns this might raise.