All the risks are skewed to portray a traditionally projected hopeful image when the reality is: the risks are skewed against the average person.
Most start-ups (businesses in general) fail. Hard Work® and Dedication® will only get you so far in this country even though that's the garbage fed to many for generations. A great idea is certainly a good start, then ingenuity/creativity/follow-through go a long way, but many times, success comes down to dumb luck, timing and resources. For evidence, look no further than successful companies that push new product/service lines out which fail and are abandoned--it happens quite often.
The American Dream® often boils down to simply rolling the dice. It turns out, you can roll the dice more times if you have more money/wealth when you start to play the game. Everything that isn't the cost of the admission fee can be manufacturing new dice. Heck, with enough money, one can even purchase loaded/weighted dice from your local politicians but I digress.
For many, it's hard to roll the dice when you have to decide if you want food and housing or to play the game. Yes, rewards require risks, that's what our economic system encourages (and I agree with this approach) so one shouldn't be risk averse, but everyone needs to acknowledge that risk is a very relative/proportional quantity that needs to be considered for each case.
Relative risk for Jeff Bezos starting a local business (let's say a simple coffee shop) is not the same as the relative risk for your local barista turned manager wanting to take their years of Hardwork®, Dedication®, and intimate knowledge of the industry to spin up a business. If Bezos cafe fails, he probably didn't even realize it (a drop in the Olympic sized pool) but if your barista fails, they could be on the streets. Bezos can simply hire others with intimate knowledge and operate at a loss for far longer than your local barista can. They need to eat, perhaps their family does. Perpetuating this oversimplified view isn't good for our society and keeps tossing blame on otherwise productive citizens who simply weren't rewarded the same starting hand of cards and opportunities to seize.