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Every small business depends on files, even when that dependence is not obvious at first. Contracts, spreadsheets, invoices, briefs, designs, support history, and client information are all part of the operation.
There is a kind of savings that quickly becomes expensive: using pirated software to run the operation.
In the context of a solo business, that choice can look rational in the short term. Every cost matters. The problem is that cheap turns expensive exactly when the business needs stability the most.
Digital security is still treated by many people as a distant topic, something only large companies need to think about. In practice, small businesses are attractive targets precisely because they operate with less protection and fewer processes.
If I had to choose a single technology upgrade to recommend to almost every solo entrepreneur, it would be this: organize passwords properly.