Simply put, people in their 30s, 40s and beyond are more likely to have kids and a mortgage, and be averse to the risk that a startup carries. 20-somethings are

Simply put, people in their 30s, 40s and beyond are more likely to have kids and a mortgage, and be averse to the risk that a startup carries. 20-somethings are more likely to be in a position to work for a company that might not be meeting payroll obligations reliably -- and to reap the benefits that (can) come with that risk