Ah, but count the items that a one-man software shop can strike off of that list above. Fundamentally, Indie Software Shops come with a crazy unfair advantage to nearly every other form of business.
No rent. No payroll. No inventory or storage. No recruiting. No Utilities. It's just not fair, but nobody tell anybody.
Even non-brick-and-mortar businesses like the Lawyer in that list have to deal with most of those downsides. More importantly, no amount of working from home, by himself, will get a Lawyer into a position where he's lawyered up a piece of Law that people will stumble across and pay him money for every month without any effort on his part. That, for us, is the business model.
It's a pretty cool gig we have.