> Cause (in case I’m smart enough at all) I have no courage to risk and implement a working thing by myself
The risk of the same action (e.g. spending a year on getting a startup to work out) differs based on your background, too.
Let's say you make minimum wage. That reduces the amount of money you can invest in your startup, lowering the chances of success while also shortening the runway. The risk here is might even be homelessness.
If you are backed by a reasonably wealthy family, you can invest more and your runway is longer, making it more likely to succeed (or at least fail not that hard). The risk here is having "wasted" one year of your life.
This doesn't even take into account other factors like family/friend connections.
Of course there are always counter examples to this, I'm just talking about probabilities.