1. Do not invest your own money
Since most businesses are risky, seek partners. So, if things do not go all the way, you will not go bankrupt because of the start-up funds, and not pursued debt.
Of all the business idea on the list, am struggling to accept the idea of not using your money, at least to certain percentage. What will be the risk the business owner is taking? If he can put his money. A reasonable investor except for ICOs will expect a level of sacrifice from the inventor or startup owner.