Imagine this: the owner of a small business orders some things needed for his business but when it comes time to settle up, he cancels the checks he wrote or just refuses to pay in the first place. That would not reflect well on his credit rating, let alone his ability to get supplies from the suppliers he shafted. (I say “his” credit rating because what woman would be so irresponsible?)
The above scenario is not how successful businesses are run. If you can’t afford the supplies in the first place, you don’t order them.
Which brings us to the debt ceiling.
And never mind the disaster that “businessman” Donald Trump created. Donald Trump used the buy now and don’t pay later methodology but his karma is coming due.