You're making some meta-point about "aloneness" where it's disqualified if they have some pre-existing threshold of wealth or connections. I disagree that's disqualifying, especially because you can play that game all the way to the bottom.

Q: was only a single person instrumental to the creation of (product/service)?

A: if yes, then yes; if not, then no. "Yes, but... [help from family / existing wealth / ...]". Irrelevant to me.