Not to nitpick, but if you have 20 friends and family members who are not only able to make a $50,000 high-risk investment, but actually do so, you are probably

Not to nitpick, but if you have 20 friends and family members who are not only able to make a $50,000 high-risk investment, but actually do so, you are probably wealthy. Many of us in the HN community have wealthy friends. I'd wager that few us of could get 20 of our friends to invest $50K in our startup.