Right. The failure rate for restaurants is (depending on who you believe) up to 60% in the first year. That's the kind of business that would simply cease to exist if prospective business owners had to convince lenders to fund large capital costs.
Renting property dates back to ancient times. It certainly long predates the modern restaurant. We have records of rent contracts 300 years older than the first known instance of a place where people could buy freshly prepared meals.
