"People fresh out of college don't have 20k to live off of for 6 months before they can turn a profit on a business. The average household has 10k+ in debt; tho

"People fresh out of college don't have 20k to live off of for 6 months before they can turn a profit on a business. The average household has 10k+ in debt; those people cannot start a business either." For those grads, I suppose ycombinator and techstars suit them well. That's only a small part of the "Small Business" equation, however. There are cafe owners that need part-time help and need easy-access capital to help them over supply humps. Not every inventor can get float money from crowdsourced places like kickstarter, either because their product is not "consumer-friendly" or because it's in a decidedly unsexy industry (like precision gauges, for example). And, while there are cool coworking or tool-borrowing libraries popping up, there are no cool "we'll work on your marketing, sales admin" places. Those take money. The SBA-for-all concept can help, I think.