> looking back over the past two decades basically all of the successful entrepreneurs and business owners I know didn’t come from families with a lot of resources and didn’t have much of a safety net

There’s probably some truthyness to this but it doesn’t account for survivorship bias. And there’s a baseline amount of resources necessary to take a risk and be able to try again (e.g., good luck taking a risk when preoccupied by [lack of] health, housing, food).