Yes most people now are scared of starting up something because they will be thinking of the lost or if they will be able to make income.
But you will see some people that stop talking and start doing what they feel like doing and it won't cause them anything at all.
I always tell my self then I want to build my house I want to buy my own car how are my going to achieve all those things if I only talk about it, I think it's time we stop talking about something and start doing it