Complaining About Your Boss
It's easy to say "This is a poor way to run a business," or " We wouldn't have these problems if I was in charge." In reality, you are not in charge, and without proposing any solution, you are just complaining. Anytime you feel the need to lower your voice, you are probably bad mouthing. Finding faults in other people's actions is a spineless act, and should left up to gossipers and villains.
If you know how to make the business run more efficiently, by all means speak up. Suggest your improvement to the boss and your co-workers. If everyone is in agreement, you could be the hero of the company. A problem solver will advance within a company, while a bad mouther will fester in their own misery.
Avoid getting caught up in office politics, and stop bad mouthing your employer.