There is definitely a third option. You don't need to have an idea, or even investment to start a company now a days. Maybe your definition of company is much

There is definitely a third option. You don't need to have an idea, or even investment to start a company now a days. Maybe your definition of company is much larger, but there are people who has successfully launched a SaaS company with a) no idea of what they were building and b) no money to build it themselves initially and c) no development skills to build it themselves. I am not affiliated at all, nor am i member of this group/company but I suggest you go check out http://thefoundation.com http://thefoundation.com -- get the free case study about Sam. It's loaded with great information.. But the TLDR is simple: Dane Maxwell has a "system" he teaches entrepreneurs. It's a way to source a market for an idea, then actually find paying customers who are willing to wait for the product, then you turn around and use that capital as inital investment for developers. it's a system that has been replicated, and it's quite inspiring. There are also people like Amy Hoy http://unicornfree.com http://unicornfree.com who actually hits many of the same types of "philosophies" when it comes to building a SaaS company. "There are too many bad companies out there" -- then don't give them your money. HackerNews community really looks down upon things like petty insults (and I believe you just called the founder of Y Combinator [creator of this site] dumb).