You completely missed the point; this thread is about people who say "starting a business is risky". If you measure risk in terms of ROI in dollars: purchasing a deprecating asset vs. starting a business is a no-brainer, yet most "average joes" that tell you "starting a business is risky" won't think twice about blowing lots of money on a brand new car.
Utility value isn't a one-off constant, it depends on the user.