I mean even in nature, like tree, everything is a competition. In a forest if you are a tree and can't outgrow or even catch up with everyone then you're fallen behind and risking being covered by everyone else, eventually you'll become weak and susceptible to termite and disease. Your example kinda fall apart, yeah?
Same in business. It's really about sustainable growth and able to catch up, and also secure your own stability in the market. What if your machine broke down and it's very expensive to repair or replace? What if your current equipment can't catching up with the demand? What if your landlord wanted to sell the shop and you wanted to secure your location instead of moving, which also cost time and money? All these require a huge investment up front if you don't take loan, and in business, these might take up a large chunk of available fund that can otherwise used for something else, or even as emergency fund if there's market downturn.
To say it's immoral is to say the forest is sinful.