Every step in the world has a price, be it small or big. To establish a business he has to raise a minimum amount of money in any other way. For example suppose market research finds that there is a substantial demand for mangoes in the market during the mango season. Then he made a contract with the owner of the mango orchard to pay 1000 dollars for the price of the mango orchard and I would pay the price by selling the mangoes.
Here it may appear temporarily that this business is without capital. Finally the minimum capital of this business is 1000 dollars. So needless to say business is impossible without minimum capital.
Time is also a currency. How many people waste months in trying to create a shop or a website, or they concentrate on Instagram and Whatsapp? The very creation of a digital presence cost a lot of time and some money. That time is often just wasted.
People spend 30 US$ a day eating out, coffee, taxi, plus plus and plus.
You go austere and have after one year some 10.950 US. In some countries it's harder to save but hardest is the desperation people feel, and more so when hearing: "you cannot teach an old bird to learn new tricks", or "you can't save". Or "you have no future" and and and.
There is a reason behind successful CEO reading more than before becoming successful.