I have underlying medical conditions, so like the parent poster I have decided against any startups because I need to tie myself to a corporate overlord so that they can pay my insurance premiums. Last time I checked Healthcare.gov I would have $26,000+ in medical bills each year. That’s a paywall for my health and well-being that would make an early startup so much harder. Taking a shock like the startup folding becomes truly traumatic. So I don’t. I sit in my cubicle so that I can stay healthy.

The parent poster was talking about this. In the US, failing a venture isn’t just “running out of money”. It can be really dangerous and difficult to navigate. Not that anyone should hand them money to fund a startup.