I swear to god, they're the chuddiest of small business owners and every single one does that shit where they have a huge truck and a huge suv for their stay at home wife and a boat and a ridiculously tacky mcmansion and an absurd amount of debt.
Like, is there some sort of grift where you can just walk into a bank and say you want to start a landscaping business and they just let you borrow an infinite amount of money even though you're only going to have income for like 5 months out of the year?
Yeah, I had the same questions as OP then realized pretty quickly that these guys are the literal scum of the earth slave driver types. Our immigration system works the way it does because they extract insane amounts of labor from immigrants that ends up in the bank's cauffers so they're a sort of protected class. The buffer between Citibank and practical slavery.