Just as anti-trust laws are necessary, there will be drives for measures to encourage and even force companies to put their cash piles to use. Cash is the life of an economy, it needs to flow and flow.
1. There are plenty of US Government (i.e. tax payer funded) programs to help people get "normal" ideas off the ground. From grants, to loans, the money is there. It's hard to imagine someone destined for success being stopped by not being able to raise $10k. $10k in credit card debt is nothing for the average american.
2. Success breeds success. If you're rich, you may already have your own skin in the game, or you may have proven yourself capable of using capital effectively.
You've obviously never tried this. It would be a full-time job for a year to even have a shot at these supposed grants. The money is absolutely not there the way you claim.
The younger you are the less credit history you have which makes getting loans almost impossible unless you already have collateral to pledge against the loan.
Oh and $10k is often not nearly enough capital to start a business since you need to pay your own bills while you bootstrap the business. We get away with it in tech often because we have the luxury of working after-hours as a side-project to start with. A customer-facing business can't do that.
How bad do you want to start a business?
How long do you think startup founders work before having something that is worthy for seed funding?