If small businesses were limited to buying from "big names", then, yes, not having the money to buy would be the end of the discussion. But, tech is available from many sources with various combinations of off-the-shelf and custom solutions, free & commercial, and various levels of skill & time required from vendor and/or buyer.
So, the end of the discussion would have to be something more complex, ex: We don't have the skills to use the free stuff, or the money to hire people who do, or the money to pay for anything commercial that is good enough to not require a lot of skill, or the time and skill it would probably take to evaluate an ever-changing haystack of good-in-theory-bad-in-practice options looking for a useful needle....
So, the end of the discussion would have to be something more complex, ex: We don't have the skills to use the free stuff, or the money to hire people who do, or the money to pay for anything commercial that is good enough to not require a lot of skill, or the time and skill it would probably take to evaluate an ever-changing haystack of good-in-theory-bad-in-practice options looking for a useful needle....