The shutdown affected a lot more than just the Federal employees. Yesterday say a guy, already in financial trouble, living as an Uber driver. Because business is down, he could not make his January 15 rent--has to pay every two weeks--and has been living in his car.
Another guy has a very small export business. Can't get export licenses during the shut down, can't make his SBA loan payment. This guy's business helps American manufacturing sell overseas, and in danger of losing that market.