Just based on reading the Author's concerns, it seems like there would be too much risk for him to join any start-up. People aren't starting companies at YC so

Just based on reading the Author's concerns, it seems like there would be too much risk for him to join any start-up. People aren't starting companies at YC so they can have a "good benefits" package. In their eyes, they are trying to disrupt industry and change the world. Joining a start-up for a good benefits package with hopes and dreams of making enough money to buy a house is a pretty big bet to make.