I hope I'm wrong, but I'm a cynic here.
Ideas are cheap.
If you have a good idea, and not even access to $100k in debt, then that's a decent proxy that you either don't believe enough to take the debt yourself or that you maybe aren't qualified to run the business.
Especially when you consider a huge majority of successful businesses are founded by more than one person...
It also just isn’t smart to start a startup with personally-guaranteed debt if you aren’t wealthy to begin with. Of course you need to believe in yourself, your idea, and your business, but that doesn’t mean pretending that there’s zero chance of failure—that’s just hubris.
But even besides, there’s plenty of third world-ish countries with lots of talent and no easy money.
It's a lot harder to make $10M per year in Zimbabwe than it is in the US.