Plenty of help, but nobody can get in
Think of your accounting software, business bank account, hosting, domain name, invoicing tool and client portals. All separate services with their own login. Without a list, even someone keen to help has no idea where to begin.
Meanwhile no invoices go out, client emails go unanswered and suppliers do not know who to turn to. That costs revenue, and over time it also costs the trust of people you have worked with for years.