that's their money-mangement problem.
Beer... or Bitcoin...?
Cable TV and unnecessary consumables... or financial investment...?
Or, they could get on Steemit, start writing, and earn their startup capital in Steemit. That's what I did.
Or, they could get off their ass and create value in some way for someone that'd generate enough to get a foot in the door.
But most won't and don't. And no one is to blame but themselves.
Agreed, great points. Most ppl would love to be rich n retire early until they realize what it takes.