> he/she does not not lend money to them, but takes away from instead The employee takes money from the company, not the founder. Those two are only the same f

> he/she does not not lend money to them, but takes away from instead The employee takes money from the company, not the founder. Those two are only the same for the pre-seed phase of a startup. It's also unlikely that any people are employed before some investment round has been raised. Once some investment is raised, the money comes predominantly from the investors and not from the founder. At that point the risk for the founder is mostly gone. I'm not saying that there is no risk at all for the founders, just that it's concentrated in the pre-seed phase of a startup. > This is none of the employee's business to assess founder's risk exposure If you are asking me to join your very-early-stage startup, you can bet your ass that I'm going to probe you on your risk exposure.