> Finding a problem _you have yourself_ also increases the chance that you understand the problem space.

If most founders are wealthy, or even reasonably comfortable, it's possible they're too out of touch to identify a problem shared by enough people.

This may apply to B2C firms, but B2B firms are more likely to be run by people similar to them.

Which is why income inequality is so insidious. The more successful your rich people are the less effective they become.

Depends what kind of market you are going after. Mass market for end users, sure, your argument applies. But there are lots of other types too.