You're thinking like an employee, not an entrepreneur. Employees stay at jobs they hate for 30 years because of their "benefits" (what a silly name for cheaper

You're thinking like an employee, not an entrepreneur. Employees stay at jobs they hate for 30 years because of their "benefits" (what a silly name for cheaper insurance) and the "hope" that they will get some retirement money. Entrepreneurs start companies because they know that if they do it right, and make a lot of money, these things will come as part of their ongoing successes.