When do you give up the biz owner dream?

I do not think that you should give up. The fact that you were able to bounce back so many times and become successful once again shows that you have the drive and determination that it takes. I would highly recommend that you get some type of insurance for your belongings in case of any damaged property from an accidental incident. The reason that you are having a difficult time right now is not a reflection on you. The economy is hurting right now and businesses are filing bankruptcy left and right and people just aren't investing and spending money like they used to. Just remain positive and I'm sure that things will pick up again in the near future. Good luck!