I don't agree with these kinds of assessments which assume that you can always exchange money for your time. Let's suppose, I am bootstrapping something with X

I don't agree with these kinds of assessments which assume that you can always exchange money for your time. Let's suppose, I am bootstrapping something with X months of personal runway left. If I can exchange my "so-much-worthy" hours for money, I'll certainly do so and use it on my product but I don't think it is as easy as the calculations assume it to be because finding short-term-high-paying-gigs is not trivial. Instead of investing personal wealth, it feels more comfortable to just try cutting corners without impeding productivity significantly and in many cases, is not that as bad as presumed.