Great post from a different angle. I especially agree with you about supporting copy and paste. Most Zimbo's have developed this mentality of "Joomla, Wordpress etc" are bad. You dare release a site using them and its immediately lacking! No. What they need to realise is that the people using Joomla etc are drastically cutting their costs and development time as opposed to buliding a new buggy CMS that needs to be perfected by them which may detract from them also focussing on the business side of things.
Capital is a problem - yes, and so are the people seeking it. Its important for the guys seeking money to work on their public speaking skills. I remember once I had a very pathetic business plan but my public speaking skills actually landed me some funding some one else could've probably used much better. They also need to understand that the people they are pitching the idea to dont yet feel the enthusiasm and fire that you do for the project. I now have a fair bit of money I can give away to certain "start-ups" but eveytime they pitch me an idea the problem is that they are too in love with the goods of their project and the millions of benefits that it can bring that they forget to realise some of the major hurldes standing right infront of them and these are the main things that the man with the money will be looking at.
As for the fear of failing? Just do it! But unfortunately for some of the "geeky" types I've encountered thats very hard for them to do. The brains are there but that impulsive nature seems to suppressed by all those ones and zeros inside there. I suggest they maybe find partners..kinda like the looks and personality of the business to work hand in hand with the brains.
Just my 2cents :-)