This is not a full picture of entrepreneurship or small business ownership. Entrepreneurship, especially in "middle America", also encompasses starting your own hair salon chain with an innovative approach to curly hair, or trying to get your dog-washing device manufactured and into stores, or selling Ukrainian sausages and imported chocolates. Sure, on HN it's all about healthy and young people at the mercy of investors, but out in the world it's imperfectly healthy sometimes-old people who use savings and family and friends to get things going. Especially if we're talking about health insurance in Iowa.