I think the difference between succeeding and failing in business is the confidence to get over yourself and ask for business/payment/quid pro quo or whatever.

From some introspection, I've concluded that if I had 240k in the bank today, I would still think ten times before hiring a team of developers, rent an office, setup a company, and start spending money to make money.

I'm just diffident that way which makes me think entrepreneurs are just wired like that.