Entrepreneurial folks -- younger ones especially -- are more apt to take the risks or shirk the responsibilities you list. Not everyone will have those responsibilities and many will grant themselves the flexibility to try their own business and see how it goes, because they put a higher value on self-run small business autonomy.

And not every business needs to grow to a VC-backed behemoth. It's possible to manage a smaller business and keep it that way. OP also notes he's looking forward to the challenges associated with that path.