&quot;And often, paradoxically, despite their privileged backgrounds, they have much less appetite for risk&quot;.<p>Here&#x27;s my co-founder litmus test: Work this phrase into a conversation, &quot;We&#x27;re going to be working on our start-up for the next 4 to 6 years...&quot; and if you get cut-off with a response like &quot;No way! We&#x27;ll get bought-out way before then&quot;, then you should either leave the team altogether or bill the team as a consultant. To be clear bill for money not equity.