Everyone on HN sympathizes with the entrepreneur but the way I see it, if you're financially irresponsible in your own personal life, why the hell should anyone

Everyone on HN sympathizes with the entrepreneur but the way I see it, if you're financially irresponsible in your own personal life, why the hell should anyone give you money professionally? It's like a guy with no training, no climbing experience, NO prep-work, standing at the base of Everest, telling everyone "Come and watch me climb to the top." You ain't climbing shit buddy.