I think you're ignoring the fact that many times when you do something like that, you'll make much less than you put in. In order to make it desirable to do som

I think you're ignoring the fact that many times when you do something like that, you'll make much less than you put in. In order to make it desirable to do something risky, there has to be some payoff, otherwise you might as well just get a job with a guaranteed salary (this is oversimplifying, there are other benefits to starting your own thing, but I don't agree that economic benefit shouldn't be one of them if you want people to keep starting companies)