Part of the point of the article is that Tim was born in East Hampton, NY and went to Princeton - he never truly faced the possibility of complete financial ruin when building what he's built. That gave him the freedom to do what he did - without that privilege would he have been able to do thing?
I don't know...but for him to NOW turn it into a cult of personality and sell a fake story about "working hard" is at a minimum disingenuous