There is a saying we all know but often ignore. One needs money to make money. Large volumes of money/wealth can magnify one’s chances of success(or careless failure) faster than any other apporoach.
it's worse than that .. certain nexus points (social,financial,legal) like Palo Alto California, are exactly the fertile grounds for rampant valuation escalation. When "guy with some financial safety" starts a business selling lawn mowers with a new motor.. or perhaps builds them to sell.. no way at all is that going to experience the exponential growth seen in the past 20 years in Silicon Valley valuations. There are thousands of easy examples of solving real world problems, in real ways, that will not scale financially in the ways seen around Silicon Valley.