The problems are in fact that...

the founder does not want to risk money for his own idea

while

funders have simultaneously also too much money while believing they don't have enough.

That very simple dynamic is what is driving investment in the Silicon Valley, itself praised worldwide as the forefront.

That's what bringing our own civilization on the economical (AI bubble), ecological (AI bubble, car brain) and democratic (surveillance capitalism, privacy zuckering) cliff.