Most small businesses fail. They fail because the founder doesn't have enough money to survive the dips and bumps. Being rich gives you an edge in making money, it's pretty cut and dry.
Most fail for lots of reasons, insufficient capital is only one of them. Another large reason is incompetent accounting - i.e. having a poor grasp of their financial situation. This is often confused with insufficient capital.
Besides, anyone can start a business with essentially zero capital. One can mow lawns, do babysitting, maid service, write apps, write a novel, etc. The only capital I invested in my own business startup was buying a computer.
Search Amazon books for "starting a business with no money" for lots of ideas.
