CONCLUSION
Alot of people today blame themselves for what they have failed to do some years ago. The idea you failed to develop year ago may be the success story of another person that turn him/her to a rich person. Life is just about risk. The risk that money in your account into your ideas without minding what people will say, put in all your possible best for the idea to become successful and become a successful entrepreneur rather than a dreamer.
Everything you have said OP is true. It seems you were speaking to me. In some cases, it is money that is hindering us from achieving our dreams but simple things like procrastination and fear of the unknown. We need to take risks because it is even riskier not to take risks. Ideas rule the world so if you have one execute it. There is no shame in failure because you have just gained some experience. Many great inventors and successful business executives failed so many times but they kept trying. You might be mocked or laughed at but you are better than people that never tried.