I am not sitting on my back side,I meet such people day in day out in my work and I see it daily how hard they work to get there business off the ground. Some times they don't even have money to pay the bills let alone any thing else. but eventually the do get off and make a success, this chap has done the same.he has Struggled and now making some profit. All business regardless of what has a 50/50 probability it is up to you to swing the odds in your favor. When you go out and try too cross the road again there is 50/50 chances that you will reach the other side safely. To cross safely you have to be carefully and cross with caution following all the rules of the road or you will be lying splattered on the road. It is all up to you how you play the game. same is here he could have lost all and would be paying off the loan by selling Idlis and his mother and other siblings would be working hard to pay off the debt,but it was not supposed to happen that way.