I just say they have two parts to them. The working part and the owning part.

The working part works on the business and without it the business does not survive.

However the owning part is the part expecting an roi.

The goal of the small business owner is to separate the working and owning parts of themselves.

This fully happens when they hire employees, enough of them for themnot to work.

Then the small business owner is just an owner and their employees are the working class.