Ask HN: What's keeping you from starting something?

A lot of us have ideas for starting a product/service/business. Most of us also have lots of fears apprehensions about taking the plunge. So what's keeping you from pursuing what you think will be a life altering decision? Some reasons I can think of

Others will think it's a stupid idea I'm not smart enough to get this done The idea takes too much money Family is a priority Need to learn more skills first Need a business partner I don't have domain expertise I'm not sure I can put in the effort needed 90% of businesses fail. So why bother? I really need to work on this idea on my own before launching This is not the right time for my idea I would've done it if I were in the 'valley' I am not sure I have the right personality for starting

this should've been a poll but I can't create one with my measly reputation.