Dont have immediate access to the paper. I agree it is a hurdle to overcome, but I don't really know how many startups ultimately don't get started or fail beca

Dont have immediate access to the paper. I agree it is a hurdle to overcome, but I don't really know how many startups ultimately don't get started or fail because of it especially if you look at the number of startups and entrepreneurs consistently popping up in the US compared to some countries where the government provides universal healthcare.