You mean median household net worth.

This estimate includes things like a car, a partially paid off house and other assets.

Most of that wealth cannot easily be converted to cash which you'd need to start a company.

Also that's median. Germany is a country with a median age of 45. So yeah, someone who likely worked for 20+ years will likely have saved around 100k, I don't think you realize how that's an argument in favor of what I just stated...