"Probably don't have enough wealthy friends & family" you mean?
Actually re-reading your comment I'm still not sure what you mean? If you're not willing to sacrifice relationships to start a company, then you're not cut out for founding? Isn't that a pretty unhealthy position to take in life?
Resourceful people should be able to find people relatively close to them that could kick in $5-50k x 3-10. You don't need to have a wealthy family or circle of friends.
The potential to sacrifice relationships is the complete wrong way to look at it. Investing is not only opportunistic, it can help someone realize a dream.
Correct, if these are your first thoughts, you are going to struggle mightily as a founder.
It's really not naive. Starting a startup is hard. If you and 1-3 others are not resourceful enough to round up $150k from your networks, no matter what you're financial means, you are going to have a very difficult go of it. This is not the hard part.
Great way to destroy your most precious and important relationships.