I think the point is that it is rare for people who don't have this fallback option to put all their time and resources behind entrepreneurship (the same applies to post-secondary education), because to do so is actually risky for them. It's not that they're worse at business or have less ambition, which is an extremely common sentiment expressed widely in the US.
I think that the 10-20% group you are talking about is likely to have more than its share of not-white people. Maybe it's a small divergence, if we imagine the population of the US to be 50% white and 50% not white, maybe the group of people who can't go back and crash with their parents is 49% white and 51% not white.
OK, so imagine there's a different imaginary incubator with a rule that every applicant has to roll a 100 sided die. If they're white they have to roll a 50 or higher to get in, and if they're not white they have to roll a 51 or higher.
I wouldn't like the "roll a die" rule, I think a lot of people probably wouldn't, but it's ultimately not a heck of a lot different than the "crash with your parents" rule. You are still more likely to fall afoul of both rules if you are not white- or (if you change the dice game) gay, or poor, or marginalized in other ways.
(yes the probabilities are different, not the point)
This is the right time to shudder, much as I'm happy that you're in a situation where it seems hard to imagine (or empathize with).
And of their parents threw them out or don't otherwise like them that's just bad luck. Some people will not have an easy life, I don't see why we have to make those with loving families feel bad about it.
It's not their fault that there's so much misery in the world, nor do they have an obligation to fix it.