Comment by RHSeeger

> If the business fails, the owner simply has less money or they have to become a worker.

The fact that you consider "losing everything you've saved up for your entire life, plus what you've borrowed, and destroyed your ability to borrow more" as "simply" is... mind boggling to me. I would rather work for someone else than risk losing everything by starting my own business (plus I prefer to develop software rather than run a business); that risk is _way_ beyond what I'm comfortable with.