"for example, my mom has a cousin that owned a restaurant in lower Manhattan he would grab people by the arms walking by and seat them for a meal! was that a reflection on the restaurant business ?!"

Another bad analogy. Business owners don't eat (seek funding) three meals/day every day. The majority don't need money at all.

So yes, if enough businesses that get swept up in the MCA world and have a negative experience then YES. It paints the whole industry.

There often is a better option. (and yes, the business owner needs to be educated despite some unfortunate addicted ones that try to play the system that will ultimately take them down in many cases)