Since its usually pretty lucrative business, what is the reason? Either government is making it too hard, corruption too rampart, people too poor, banks not giv

Since its usually pretty lucrative business, what is the reason? Either government is making it too hard, corruption too rampart, people too poor, banks not giving loans (but then why since generally they like doing so) and so on. Everything that has to do with state of economy and government. I expect people to be a bit more curious on Hacker news and drill a bit into shallow facts, everything has underlying reasons.