Simple: lack of money, risk that it may not work, having good job which I'm invested in emotionally (I'm THE developer in my company, if I quit, several people

Simple: lack of money, risk that it may not work, having good job which I'm invested in emotionally (I'm THE developer in my company, if I quit, several people will lose jobs). I've started to make a prototype of my idea, but it will take some time before I finish it.