1. The whole point of SAFE is that it's not a convertible debt note. It's not a loan - you don't need to return it. 2. You would be lying here. And you assume

1. The whole point of SAFE is that it's not a convertible debt note. It's not a loan - you don't need to return it. 2. You would be lying here. And you assume that YC partners will not catch it, which I doubt. YC invests in people, not in ideas. Some YC startups pivoted to be a services companies (one example is web scraping-as-a-service), and they are selling their services to other YC alumni startups. I don't think it's a good idea to strive to build a life-services business, better have some ambigous goal first, and only in the worst case pivot to productized services, lifestyle, or consulting company. Remember starting up a small company and starting up a large company takes more or less the same effort (at least initially).