This is sort of the catchall excuse used by people who procrastinate. This excuse is the end of the discussion, the one that covers any and every situation, even when all of our other excuses fail. You've heard it. It doesn't matter what the reasons are, this excuse supersedes everything.
They could have a million bucks in their hand, a paid-for office with a year's free supply of inventory, paid-for advertising, and a payroll backed by a forgivable advance from their bank. They could have a year's paid vacation from their boss so they can get their business started, and they would STILL have a whole list of logical and sensible reasons why they just aren't quite ready to get started right now.
It all adds up to time that's being wasted when they could be moving toward a goal of wealth and self-sufficiency. Often, it's because deep down inside they're just afraid. Even though they think they're being smart, they're actually delaying things in every possible way to avoid the risks they perceive. The truth is these procrastinators and perfectionists just don't want it bad enough.
Perhaps you've seen this happen: A bright, energetic man (or woman) has a great idea for a new business. He dreams about leaving the daily grind, the job, and striking out on his own. He studies the market and the more he thinks about it, the more convinced he becomes that this is the big one. The budding businessperson works up a great name ...