Yup, apparently everyone is an "expert" on small shops and cafes. There've been numerous similar thread on here over the years. If it was so easy to run one, especially if it was "obviously" going to make a small fortune, then someone would already be doing it! I'm never sure why random people who've never run a business before seem to think they know better than people who have! Perhaps it explains why the vast majority of start up businesses fail within the first few years! Lack of research, lack of sound business plans, lack of experience!
I've done, literally, hundreds (maybe even thousands) of business plans for new businesses (start ups and purchases of existing businesses) over the past 40 years I've been an accountant. Sad to say the vast majority havn't a hope in hell's chance of succeeding, usually because the prospective owner hasn't a clue and just bases an entire business plan on "fingers in the air" guesses as to revenue and costs. I can do the number crunching side of things and the presentation of the financials in my sleep, but actually getting any real data of the prospective owners is like pulling teeth. Most of the time I spend basically teaching them about business and business finances, and then they whinge I've spent x number of hours when they've googled that crunching the numbers on a spreadsheet only takes y number of hours - completely missing the point that most of my time was teaching them and not the number crunching! They don't want to pay for the time, so there's no time left (in their budget) for business planning advice, tax planning advice, finance raising advice, etc. (not that much of that matters because they either pull out when the financials show no profit, or they go ahead anyway and end up loss making, so things like tax planning are redundant!). Most seem surprised that they have things like employers NIC to pay (at least Rachel's budget has increased public awareness) and employers pension contributions, business rates, the fact they have to pay VAT if their SALES not profit are over £90k, etc! VAT alone is often a killer for a small business that wants to grow and often why the likes of cafes restrict their opening hours so they don't breach the threshold!
By contrast, the ones I do for experienced business owners are a breeze and I love doing them. The people who've either previously owned a business and have sold it to buy/start a new/different one, of serial business owners who already have one or more businesses and want to start another. They come to me with actual facts and figures, they know what they're doing and what they're talking about. Their numbers make sense from the outset, so putting them together into formal forecasts and business plans is really interesting work, and I can add a lot of added value to the process, such as tax planning, finance raising options, group structures, etc.
The reality of small independent shops and cafes is that most, at best, they make minimum wage for the owners given the hours they work. Some don't even make that. We saw it vividly with covid when such small businesses were banned from opening in the lockdowns and restrictions. I had a couple of dozen clients who had small shops & cafes or small guest houses, and they had to take other jobs just to survive, typically working in supermarkets, delivery driving, or in the covid testing stations, mostly earning minimum wage or maybe a little more. Most quickly realised they were earning more than they did from their business and lots simply never re-opened their businesses and to this day are still working for supermarkets or doing delivery driving! From the top of my mind, that's 2 guest houses in a seaside resort (still closed), a village pie shop/bakery (now sold and converted to a house), a gift shop in the Lake District (lease expired and they chose not to renew), and a cafe in a picturesque village in the Yorkshire Moors (still owned, but moth balled). All the owners of those businesses are working in supermarkets or driving!