It is true that it's not easy. But one's job as a founder is to find a way to "make it functional in the first week". They even have a whole startup jargon for it--"Lean startup/MVP". You can sit and just complain how difficult it is and not do anything about it, or you can find a way to validate your hypothesis little by little. Again, I know this is not easy, but the OP should at least realize the reason he failed was not because the world fucked him up, it was because he couldn't come up with a clever way to validate his vision despite the difficulty. The better approach in this case would have been to figure out a way to release an MVP without trying to rely on an assumption that the bank deal will go through. There could have been many approaches like others pointed out in this thread.