I agree with you mate. A civil servant is on a rat race, and someone running his own business is building wealth for the future. If you notice, no matter how high inflation is, those people running business wouldn't feel it much especially when it's an essential commodity. They will inflate their price and still make profits. But the Civil servant salary wouldn't be increased and inflation will reduce the value of his income.
You are very right, people who run business are never at loss, they always know how to fix or have their way even when things are not really moving good, or when inflation comes in, they are never affected in any ways even when they are saying they are also affected but it can never implies or it can never be compare with that of a Civil servants.
Civil servants seems not to have choice or have any power to counter when things are not going as planned.