I think #1 can be generalized (or re-phrased) to not having enough time/money. In other words, if you sacrifice a day job to take the time to start your startu

I think #1 can be generalized (or re-phrased) to not having enough time/money. In other words, if you sacrifice a day job to take the time to start your startup, you do not have financial stability to support your family. If you keep the day job, however, then you don't have enough time for your startup. YC-type funding in this case would probably help a little, assuming you have some cushioning elsewhere, e.g. savings, live with family, etc. Then again, I bet there are probably founders out there that started their project on the side and slowly grew into a startup.