that is the problem. you cannot get significant money to get anywhere. 100k is nothing to start a business. if you try to get 1MM you will personally be liable

that is the problem. you cannot get significant money to get anywhere. 100k is nothing to start a business. if you try to get 1MM you will personally be liable for 200k which is a huge deal in europe where salaries are low and it might ruin your finances for life and you cannot get rid of it. meanwhile banks play very risky in the market and when they screw up nobody is liable.