[byosko]

Walking on the street is a risk.

Driving a car is a risk.

I get it -- everything is a risk. Even more reason to start a company and give it a shot. You may get struck by lightning tomorrow.

I'm not such a "ra ra" kind of guy to say, "everyone should go start a company tomorrow, and you'll all win." But on the flip side for those people that want to take a shot - it's the time to do it. The "risks" that you think exist, around money and failure aren't really risks. Even "lost time" isn't in my mind a risk. Don't get caught (as I mention in another comment) running a zombie company though...