15K is enough when you have motivated founders who own half the company and are willing to eat ramen and sleep on cots for 3 months to realize their dreams.
It is not enough to hire the equivalent programming talent for 3 months to work on an idea by non technical founders.
Maybe you could name it "Incubatr 2.0" and have the tag line "this time around, we don't even provide office space!"
Realize also that Y Combinator doesn't discriminate against non-technical people, except that the applying company has to have at least one technical founder.
All I want is to have step 1.5 get someone who understand your vision to help you build the alpha.
I'm not saying you have a bad idea, but it's an important question and "hiring programmers" isn't really a good answer. If I was a good hacker, and I could take 6% from 30 little companies and do all their coding in 3 months, that might be fun and profitable. I think the chances of you finding someone that capable and willing to take the risk are slim, is all.