[danjac]

Depends on your circle. Most of my peers have families and mortgages, and don't have inherited wealth or sufficient savings. They are fiscally responsible but bootstrapping a company requires more resources than just being sensible with your money.

[mlhpdx]

Absolutely right. My point is just that it isn’t that people couldn’t, but that they can’t. The former meaning that people generally do have the needed skills, the latter meaning they don’t have the opportunity.