That's also the reason that startups are usually run by people in their 20's. Once you get above 40, life changes a bit, you begin to worry about heart attacks, prostate cancer and the like, and actually rely upon good medical insurance given by a company.
You need at least $250k in the bank if you have a heart attack and have no insurance. A 20-something doesn't worry about that.
Imagine if the US gets single payer healthcare. Startups won't be for just the 20-somethings anymore.