Sorry, but no. Of course most ground breaking applications are done by start ups, thats mostly why they are formed.

Someone has a good idea, thinks they can make money from it so tries to..

If your idea is truely novel then im pretty sure you will come across many 'difficult problems' that need solving.

Gender doesnt matter, ability & a good idea are the important things.

O, and btw if it wasn't for a bunch of guys trying to solve difficult problems you wouldn't have a computer. at all.