That dream is only viable for a very, very small population.
see: Those who have to work multiple jobs to support family, those saddled with crushing loans, those with ailing family while being the sole provider, those who are denied loans because the happen to be born in a zip code a biased algorithm deemed as more risky, etc. etc.
Pulling yourself up by your bootstraps is a great move when your privilege and opportunities align well.
What about the slaves themselves? What did the founding fathers say about them? Obviously, they cannot start their own business as that would be illegal. What do you suggest for them in your great wisdom? They are not allowed by law to start a business, yet according to you, that's just an "excuse."
What you're advocating also wasn't possible for women until the last few decades. Or Chinese. Or Mexicans. Etc. So why should they work to compete with the established businesses/family wealth that had hundreds of years to grow and slaves to work. All of a sudden, everyone should just compete with them and somehow be on equal footing despite them getting hundreds of years of head start, capital, and free labor?
But yeah, so many excuses for being unable to achieve this almost unachievable formula. Slavery. Oppression. Racism. Violence. Etc. Not to mention the sheer insanity of expecting everyone to be a business owner and therefore none to be a worker. Yup. So simple. Only people deserving of death through destitution couldn't follow such a simple formula.