I don't think so; there must be many other factors. You seem to be saying that people are more motivated by not being able to afford healthcare and college for themselves or their kids, and that seems bonkers to me. If that were the motivation, people would be getting jobs at universities rather than founding startups, as most universities have fantastic health insurance and reduced tuition for employees' children. On the other hand, if I have a chronic medical condition, I can't currently leave to found a startup without risking my health alongside all the money I'm risking by quitting my job.