How do people pay the bills when they start a company? I'd go start a company right now if I could figure out how to pay my car payment while doing it.
2) Family money. Either have access to it directly, or be personally "poor" but with an excellent safety net in the form of rich (-enough) relatives who won't let you really suffer if things go poorly (and may help fund your business, even). Doesn't need to be, like, Rockefeller money, either—parents who can guarantee you a place to live, comfortably cover your living expenses for a while, give you the occasional four or five figure interest-free loan without putting their financial security at risk, that kind of thing, can be enough to eliminate most of the personal risk of trying to start a business.