By relative risks you mean the possibility that an event occurs that requires medical care? If so, there are many cases where a founder or their family member

By relative risks you mean the possibility that an event occurs that requires medical care? If so, there are many cases where a founder or their family member has a pre-existing condition that makes them uninsurable. If someone loses the genetic lottery and has a severe case of asthma it can greatly change their calculus. Would you advise someone to start a company if they knew that in 12 months they'd have to hit it big or give up due to the prospect of future medical bills?