Yes I will take marginal amount of risk but no I won't gamble everything

Some people get the opportunity to try things risk free, and others need to risk everything so if they fail the consequences are very negative

You seem to not understand the difference between an investment and a loan

I have applied to a few accelerator programs and haven't gotten a response

One thing is to get money in exchange for ownership of the company and the other one is to get money that has to be paid back no matter what

I stand corrected

This looks like a project from an L3 who got promoted and immediately left the team afterwards.

Funding is stopping me. Lack of investment money to get started. Access to capital.

I don't have the luxury to stop being an employee, even momentarily because I need the income

With "Google" it's always like one great Design/UI team putting out a recommendation and then have several other teams in the company disregard that recommendation. Barely any cohesion.

Can't use banking nor government apps there (non us)