I am saying this as a business owner and as a former employee who has foot prints on his back....
The business owner should be well aware of the number of clients, the amounts that they are charging, and the number of people who are on staff to do this work. It seems to me that a choice is being made to collect payments rather than to provide service.
Some people might not like what I am going to say, but if I was the employee here, I would find another job rather than work in an effort to improve this company. Their actions are likely deliberate.
You have a very generous attitude and ethic that deserves a better work situation. I hope that you discover an employer who deserves you!
I wish you all the best.