The answer to the owner who says "Fly me or else" has been pointed out to you a number of times
satsuma has a very good point when he says
It's about developing a culture. How do people 'grow a set' when they've got significant debts and are fearful for their future? They need some sort of back up, don't they?
Have we forgotten the cause of the very first 139 fatal? Abu Dhabi if you need a hint.
"Torch" Lewis, a very eloquent author on aviation matters in B&CA of old, and corporate pilot and manager from when the business first started, wrote very tellingly in one article of the pressures crews have to resist from the "boss", and detailing an ILS in zero/zero conditions he made in a Lodestar while subject to same.
Trouble is in a small corporate organisation there is no back up.