I'd have to disagree with this. I think if the persona is serious about setting up a business they should spend the money to get it setup correctly to start off with. The reason for this is that it's a lot easier to do when you don't already have customers and you can take the time to do it properly.

One caveat though is of course it takes money to set it up properly. I think that in the long run though it will pay off big time.

I think that many start-ups fail because they try and build enterprise systems at the outset, for their small business.

You just gotta do what works and what's fast, and focus on your product. It's not that hard to scale up your finance system later when you have some money.