I hear what you are saying, but the stress and how a given individual handles it is not a small factor. In fact, I am slowly starting to discover, it appears to be one of the bigger ones.

Running your own business is stressful. It requires a level of organization apart from the skills you need to make a viable and successful product. It is not a common combination.

I guess I would not automatically equate "keeping head up high" = running your own business. I assure you even when you run your own business, you have people to answer to.