The Great Depression
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The Congress can use its commerce powers in various ways. These may include regulating business activities, breaking monopolies, regulating banks and stock markets and so much more.
A business license. In most jurisdictions, in order to operate a business of any kind, you are required to obtain a business license from your local authority (commonly, the city or county government).
No, the government is not responsible; it's the business owners who are.
The main job of the federal government is to "enforce" the laws.
Someone with the power to command a government or business is called a chief executive. It is important to have someone responsible for difficult decisions.