Most things are not as risky as they seem.
If it works out, you're going to be working on this for 10 years.
Companies that I've been very involved with, that have had a very bad first hire in the first 3 or so employees never recover from it.
The track record for founders that don't already know each other is really bad.
You can have a startup and one other thing, you can have a family, but you probably can't have many other things.
There are exceptions of course, but most companies start with a great idea - not a pivot.