What smart investor seeks out "average chumps" exactly? That's an excellent way to lose money. Your setup is a rather amusing contradiction.

You think the $200,000 (Walton put in $50,000) - inflation adjusted - that his step-father put in, was unavailable to everyone else and it made all the difference in Walton's success?

I grew up in an extremely poor part of the country, financing like that was available to a lot of business people. It's typically how most new small businesses that required any meaningful capital got started: other people in the community with money would invest, as banks would never risk their capital without collateral.

$250,000 is about what it costs to open a small convenience store.

The Ben Franklin store Walton opened and operated, was a very successful venture. His father-in-law made an extraordinarily smart investment. As it turns out, Walton wasn't an average chump.