Most businesses exist to seperate "wannabes" from their money. Your employer exists to seperate passengers from theirs. Your stockbroker, swimming pool supplier and estate agent all exist to separate you from yours.
They don't much care how you raise the money either, only that you can pay for what they are selling.
There are plenty of businesses that take customers money and disappear under the blanket of bankruptcy as well. Do you advocate this practice as well? I am guessing not if it is your swimming pool that is at stake!