Another huge thing is rent. A lot of these freelance businesses can be feast or famine especially at the start when its mostly famine. You also need space to do this stuff. Imagine if Steve Jobs and Wozniak didn't have access to a single family home garage and had to try and make do in a studio apartment.
Being able to afford rent for an office space is pretty tough for most people who can barely afford rent on their apartment while holding a fulltime job. Musk is the son of an emerald miner.
