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Re:Paul Graham: “Airbnb happened because its founders could ... by goto11 on Monday May 20, 2019 @05:44AM (#19958766)
Everybody need to eat and pay rent, so yes, you do need money.
Re:Paul Graham: “Airbnb happened because its founders could ... by mskvsk on Thursday May 23, 2019 @01:07PM (#19993614)
Let me rephrase it, you don't need capital.

Otherwise, yes, money is crucial to building a startup. As well as the oxygen you will be breathing while building it.