Bryan thanks for all those great points!
I guess I want to believe that it easier than it is, or should be.
When I was younger if I wanted to start a business I would have jumped in without worry, but of course this before having the responsibility of a family and assets to protect!
I do understand that this really isn't a trap. Like it or not insurance is a necessary evil and a business trying to protect their assets as well.
The real problem is....trying to do all of these things... obtain insurance, obtain certifications, occupational licenses, as well as the thousands of dollars in equipment, with not enough money to work with. All of this with no guarantee of what if any income you will see from it.