Baloney. I started a business seven years ago, while living in a "lower end" neighbourhood in Calgary, while raising a two kids and providing for a family of 4 (my wife was not working). Not only did I find financing (there is ALWAYS funding if your idea is good and more importantly you are able to convince people of your ability to deliver) but I have managed to flourish. I provide jobs for several people full time. Just because YOU aren't capable of something that doesn't mean its not possible.