It took me a couple of years after college working in restaurants etc before I had the skills to pat the bills. The only way I could afford the time to teach myself code was due to the relaxed schedule that comes from knowing you can ask your parents for help.

But not everyone can afford to have a business fail. And most do.

Learn some empathy for people who, unlike you, were not born on second base. Wages have stagnated for working class people for decades. People are having to work two jobs to make ends meet. Are you honestly suggesting that these people are lazy or "making excuses"?