Not being willing to take the risk is very different from cannot raise the funds.
$300,000 is simply not an outsize amount of capital to start a business. People do it all the time. Expect to put out $1.3 to 2.3 million to start a McDonald's franchise, and those are everywhere. (Other franchises are less expensive, not more.)
The idea that one has to be rich to raise $300,000 is simply not true.
The ratio of people I've met who've taken out a mortgage to the number who've taken out a house-sized business loan must be well above 10,000:1. It's not clear that you're arguing from any basis in reality to suggest that they're the same in any way.
$300,000 is simply not an outsize amount of capital to start a business. People do it all the time. Expect to put out $1.3 to 2.3 million to start a McDonald's franchise, and those are everywhere. (Other franchises are less expensive, not more.)
The idea that one has to be rich to raise $300,000 is simply not true.