They aren’t business people. They’ve never run one risking their own money. Therefore they lack the skill set. They won’t understand, can’t grasp the concepts and you’re wasting your time trying to explain it.
You’re (correctly) looking at business as a people oriented exercise.
They are looking at it through the spectrum of a spreadsheet.
Diametrically opposed viewpoints.
Spreadsheets will win and enrich those with the passwords to same in the short term.
Looking at business on a people level is the reason business is actually in business. If you lose sight of that fact, your days are inexorably numbered. There is NO escaping that ultimate truth.