I would argue that most SMB business owners are more entrepreneurial than the average "founder". To me "entrepreneur" connotes risk, and most VC backed entrepreneurs are only risking their time (with good odds of being a well payed employee if they fail). SMB owners are often risking a significant amount of their personal wealth (and potentially their home as well).
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You’re forgetting to mention that many startups pay in promises and game those in the end that only founders get paid big and the employees who put in the time get close to nothing.
Re: risk
Nah. That trope is a all too common false assumption. Where others see risk, the true entrepreneur sees opportunity. The myth of Entrepreneurs being willing to embrace more risk is a false one. Rather they see things others do not and ultimately mitigate risk. They fact that others use risk as the metric proves my point.