There's an analogy I've read before, couldn't tell you where, that goes something like:

Startups are like a roulette wheel at a fancy casino. Most people can't even afford to get in the door. Middle class people can afford to maybe take one or two spins on it, if they go all in. Rich people can spin it as many times as they like

As someone who grew up on the lower end of middle class this rings really true to me. I don't have access to the kind of capital to build a dream business. I could probably take one shot at it, if I put my house up as collateral for a loan to get me started

It's too risky for me. But if I were a multi millionaire I don't think I'd think twice about giving it a shot