This is an interesting older article from CNNMoney.com. I would say the one thing that keeps most people from starting their own business is money. How do you know how much you will need and where do you get it. Surprisingly very few businesses are started with Venture Capital or Angel Funds. According to this article most small businesses are started using savings and credit cards.
Another interesting statistic, only 31% of the small business owners surveyed said they started with a business plan.
“Small-business owners spend about $10,000 to start their companies, mostly out of their own pockets, study says.”