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At least with startups, are most founded by affluent people with free capital and time, or by those who sign a deal with VC? Afaik YC founders aren't thousands of bored millionaires, they're average middle class people with a college degree who quit their jobs to live on their seed investment for a few years, and share the spoils in the end with their employees and investors if the project succeeds.

Can you get away without initial starting capital if your startup has a very low chance of success? You need someone to be willing to eat the 99% risk of failure in exchange for proportionally high returns.

I imagine the same problem is much ameliorated if you were opening a pizza shop, a daycare, or a hair salon, where the business is more predictable?