I have a failed startup in my past too and when it failed some people tried to tell me I deserved the extra debt I now carried because I decided to take on so much risk. I never saw it that way - for me, I was trying to escape prison. Escaping the rat race while young enough to enjoy it is not some luxury like a Tesla or a second home I want to posses, its my life! It's like being in jail, every day I feel like I'm being enslaved - after all if I stop doing what other people tell me (my job), eventually burly men with guns (cops) will come round and just take it anyway. From this point of view there isn't much difference between being well off & employed and being poor & employed.

If you try to break out and get thrown in solitary then sure, I guess you're worse off, but either way you're still trapped. What's really funny is that when your attempt fails it's the other prisoners who want to cut you down for trying & want to see you punished the most.