You sound like you are making a lot of excuses, but I actually deeply agree with every negative point that you make.
As you are pointing out, the risk of being a founder is just not worth it for you or most people, financially or socially or personally. It rarely makes sense even if you are already wealthy or privileged: even given the advantages you have correctly identified, the expected outcome is failure. Without those advantages the rewards for the risks are even worse. Calculate the median return[1][2][3] implied for the majority of ycombinator founders and it is approximately zero.
YC is simply not shaped for the Mittelstands and honestly really not compelling. At all.