Jaberwock,

"Small business owners should stop complaining. 
You have more options than everyone else for your retirements savings.
You can use an RRSP for your retirement savings, just like everyone else
You can pay yourself a wage, pay taxes, and save for your retirement outside of your RRSP just like everyone else "

Your underlying premise is that this is somehow a special entitlement of small business owners, when in fact everyone in Canada can start a business and benefit from the rewards of taking on risk.

Stop your bitching and start a business. Build yourself up, and stop trying to tear others down!