i agree with your post but i never miss an opportunity to be pedantic -- reality is nobody has the full skillset to run a business -- in my mind it's really just a bunch of intangibles like vision (goal setting), determination, ability to take staggering amounts of abuse, ability to work insanely hard when it's necessary, and ability to know how to hire an expert in matters you are not skilled or experienced in, which means the ability to clearly communicate and know what to ask for through deductive reasoning.
most people have NONE of those skills, because working a normal job doesn't require any of them. zero, zip, nada, zilch. a high functioning professional has like 2 or 3 of those things. i would guess less than 5% of the general US population has those characteristics in the large amounts required to start a business from scratch, and most of the time that talent is channeled into something like e.g. investment banking or corporate law or being a surgeon.
on top of all that, the ability to take a financial and social risk is just too much to handle for most people. they just won't do it. period. you might as well ask them to sprout wings and fly.
but that's why starting a business has the potential to be so god damn lucrative -- basically, nobody else is doing it relative to the demand the overall economy generates.
i also agree that the only way you're really going to get anywhere is if you quit your job, or were fired. the slow drip of a paycheck is the biggest obstacle.