Friend, I say are you 'suggesting' not 'saying'. I said this because I don't know why else you stated your salary. Maybe I was mistaken. A good dev with 3 years of experience will have to spend money on absolutely nothin else if he spends $15000 in hosting annually. Surely you are not suggesting that ALL income can be put into hosting.
anyway , using your figures, 1300$ for 12 months = (approx) 15 k.
Are you saying a good technical person with about 3 years in the Industry can't get together with a couple of friends to fund their hosting ? (A good dev with 3 years exp can get 15k annual pay easily in Bangalore)
Yes it is a little bit more difficult for people just out of college but hey all of us have to tailor our plans to our resources. If you can manage a decent user base in 3 months (3 months is how long YC funds their teams iirc ... hosting will cost bout 5000 $ - Even two kids just out of college should be able to manage that) you should do well with the vc folks.
Now, if you are saying that you need lots of moolah in the bank before you attempt a software startup, I can only say my perceptions differ.
Maybe you are right and I am wrong. Time will tell.
I am too tired to continue. Been coding the last 15 hours or so. Ciao