Yeah, sure - in most cases you can't develop your MVP without money (and in my opinion making it at home with buddies within months doesn't make any sense), but investors are not the only and optimal cash source. It doesn't cost you a lot to start selling your product and get paid by first customers. I started 3 companies like that - I sold the product first and after that started producing it. I think you rather create obstacles and excuses than try to overcome them ;)