Try an experiment, grab a piece of paper and write out the top ten programmers that first come to your mind. Now next to their names write out which company they work for.
There was a time when I was tossing around the idea of starting my own business, something just wasn't clicking for me. Then I did this experiment, and I realized that most the programmers who inspired me to be a programmer worked for someone else (with pg being a major exception). I thought "It can't just be because they didn't have the courage to start there own company". And then I realized what was making me uncomfortable with starting my own business.
I enjoy the myopia I can have being paid to work reasonable hours as a developer. I have other passions in life, but I love that I can spend the vast majority of my spare time studying code, cs, math etc without worrying about business, marketing etc. Design I like (I'm not as passionate about it), but business I really just don't get excited about.
As has been discussed over and over on hn, true expertise is only going to be achieved by putting lots of time into something. For me personally, I can't help that thing be programming and CS, maybe one day that will change (it honestly wouldn't surprise me). Now if you do that same experiment with the top 10 wealthiest people you respect, you will probably come up with a bunch of entrepreneurs. The question really only comes does to which top 10 is the one you strive to be in.