"Greedy" is a key word. Also keep in mind the old saying "it takes money to make money". So its expected that at the start of any business venture you will put in more than you take out ... "owner contribution" and "owner equity".

But keep in mind that the government doesn't cover your losses, they allow you to write losses off against income. To put this in simple terms, let's say you lose your job on December 31st. You have ten grand stashed away so you start a business on January 1st. At the end of that year you've accumulated twenty grand in debt from expenses. When you do your taxes the bottom line will be ZERO - no money owing and no refund due.

The goverment's stance is simple ... you lose your money, that's your problem. You make money, we want our cut!