How many Americans have enough capital to comfortably risk a startup and or and survive the fallout? If they fail, what protections do they have to not live the

How many Americans have enough capital to comfortably risk a startup and or and survive the fallout? If they fail, what protections do they have to not live their days on the streets? I don't think having a higher quality of life deincentivizes creating new valuable startups. If anything, it has a positive effect because those individuals are able to take more calculated risks towards a project and fail gracefully. If you're working paycheck to paycheck and in debt up to your eyeballs, that American dream of success carrot may look awfully appetizing but it's far too risky. It's significantly different if you're wagering that capital you saved up to build a pool or new garage vs. the finances for next months rent/food. Those are the types of decisions many Americans have to make. Frankly, I don't understand how some can slave tirelessly climbing the corporate ladders for small gains. I'll do only what I need to and focus on my private life. I work to live, I don't live to work. If I do live to work I would seriously consider starting a business because that's the only way I could dedicate that commitment of my limited time on Earth. Slaving 60-80 hours so shareholders n-degrees separated from me can get another Yacht isn't motivation. I'd much rather become your competitor. The problem is, industries are becoming more and more capital intensive to enter, so becoming the competition just isn't feasible for many cases, not without heavy outside investment or an absolutely brilliant idea that competitors can't simply clone or capture you before you get momentum to compete.