What are you talking about? The whole YC program is explicitly about getting your hand held. Anyone can get a credit card or family/friend loan for 5,000 for a three month project. YC is not about the money; it's about the advice. YC is about nurturing seeds to see what comes up, rather than testing them for the Winter. There's a reason seeds sprout in Spring -- to give them as good as possible running start before Winter comes. They'll get tested soon enough.