Way too many retailers are just fumbling along, paying everybody else but not themselves.
Worse yet, way too many retailers are failing, going bankrupt, even in these "good" times for the economy. And when a business fails, it affects a host of people and entities.
Not only do employees lose their jobs, and landlords lose a tenant, and suppliers lose a customer, and a community loses a retailer...the owner(s) oftentimes lose their house, car, savings, everything. Failure is sickening.