Access to capital is hardly the reason why it's hard to start a business. I know two first-generation immigrants who started a landscaping business with a used pickup truck and a few tools. They reinvested their earnings in the business and now run multiple crews servicing properties all over the area. So it's not a unicorn tech startup but they seem to be doing pretty well. Anyone willing to work hard can accomplish something like this, no talent required.

I don't think it is necessarily that simple. A pickup truck, a few tools, and enough time or savings to spend starting a business is a lot more than many people have. Then there's survivor bias; while it may have worked out for them, how many people did it not work out for. Finally, there's the issue that not everyone can be an entrepreneur. Someone has to actually work at the various businesses that exist and are being created.