5) Not start a 'startup' that requires funding or hotshot coders to grow at 10x every month, but instead start a regular tech-oriented business that doesn't require any of the 4 other points.

Tech entrepreneurs do not necessarily have to start 'startups' in the HN sense of the word and I know there are plenty on HN who have taken the slower, bootstrapped path without rich friends, lack of debt, or even being based in ideal countries.