Yeah, and when after 6 moths your startup doesn't work, no one wanted to invest in it and you got some debt to pay, what can you do? You work 9-5 trying to pay off the debt (which is not massive, but needs to be paid), but you failed, and you don't want to take such risks again. You underestimate risk-aversion of common people. Also, when you don't have your own home (owned, not on mortgage), you MUST work to pay for it. How do you get money for it otherwise?

For most people, one failed startup is enough to make them homeless. They don't have enough resources to be safe when their idea doesn't work. Also most of them just don't have viable ideas which can be used to make a good business.