While I definitely appreciate what Stripe is trying to do here, they've left out one of the most important, but perhaps less tangible aspects to starting a business:

Getting off the ground!

Say you have an idea, maybe even a prototype... MAYBE even a functional software business that's drawing some small income! How do you go about GROWING that idea, or tiny business? Do you HAVE to seek external capitol? Do most successful startups utilize angel / VC funds to "make it"?

If so, where do you go, and how much do you ask for? What happens if your business fails?! Do you owe all that money back? Are people going to be pissed at you? Are you blacklisted from the industry? Etc. Etc.

The point I'm getting at is... It seems to me like they've left out the part about resources. Funds. The stuff that really gives your idea, a strong kick in the pants.