Is it really as easy as "grit and discipline"? I find it hard to believe. Everything I've read about consulting work, indie gamedev, and one-man-SaaS apps has a

Is it really as easy as "grit and discipline"? I find it hard to believe. Everything I've read about consulting work, indie gamedev, and one-man-SaaS apps has a similar message: that previous experience and luck are huge factors, and there's a lot of financial risk involved. Small businesses fail all the time for reasons other than lack of grit and discipline.