Well I think it's a number of things.
1) The person without the needed funds, has time to rethink and go over the plan until somewhat perfected.
2) The person without the needed funds, probably does not know first hand what it's like to loose wads of cash in a sour business deal thus his ideas are more wild and open.
- A person with the needed funds, will probably not think up crazy business plans which would risk his/her name, buisness or bank account.
