Have you ever considered funding enough to attract people who have financial obligations, such as kids, a spouse and a mortgage? It seems like a huge, untapped, resource that no one else is going after.
The much bigger problems are the conflict of time spent on family vs the startup, and/or in many cases the desire to have a stable environment for the family.
The time can be managed for people who have a lot of energy and are equally passionate about their startup and families. I've seen it work out... but I've also seen it tear others to pieces when they didn't get the balance just right.
I'm not suggesting that burn rates and starting on small amounts of capital aren't important, just that it's a small problem relative to the time commitments.