The thing I find disturbing is how hard it is becoming for someone to bootstrap a business without going the investor-led route. Between the regulatory environment and the crazy amounts of money that businesses with big investors can offer to recruit staff even if neither the business nor the staff actually make any money yet themselves, in some industries it is almost impossible to compete simply by building a sound, revenue-generating business independently and from the ground up any more. I don't think this is a healthy trend but the economic incentives in our financial systems today make its dominance inevitable.