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Same problem here ... at least my wife can act as CFO/HR ...

Try it. You don't need to be an ex-googler or Stanford grad to be good at what you do. Be passionate, and convey your expertise and skills or lack of, in the application. Keep on working on your startup, although getting into YC would be helpful it does not come with instant success.

If you want advice or someone to read over your application, I'd love to. My email is in my HN profile.

I tend to think that if your general attitude is to not even take the time to try, and instead keep focusing on the potential for failure, then no... it is probably not worth your time.

Or phrased in a more well-known way... whether you think you can, or think you cannot, you are correct.