That's a bit harsh on F1 drivers tbh. Sure, ultimately you need money, but Senna started early in Karting and was already showing great talent there allowing him to get financial backing and support that helped him further his career. He went through a lot of Karting and open wheel racing until finally reaching F1. You don't get there just by money, at least the top5 guys have mostly won everything there is to win before entering F1.