For a multi-million dollar potential unicorn? Almost nobody even gets one chance. But for a small business started on the side and slowly grown? Anyone middle-class can in the US IMO. You don't need investors or massive loans to start a small business in your free time, just customers that can be earned through word-of-mouth when starting out. Capital grows exponentially, so even small profits can compound into something significant if reinvested.
You do need enough free time to start said small business, though, as well as enough capital (even if not "massive loans"). For many people those requirements are pretty tough.
And don’t forget how many people have clauses in their employment agreements saying that any IP they develop on or off the clock belongs to the company.