DevelopmentBank, If you want to start a grand project that wants to radically change an old system with a new one, I am sure you can't afford to spend millions of dollars to start and develop everything on your own. You can't because you don't have so much money. But If you really want to accomplish everything that you planed too, just start with small steps. The vision and the project can start with little money. You just have to have determination and good people next to you. Being critical and pessimistic is not a good approach for your personal evolution.
All big companies started almost from scratch. Take as example Apple or Windows.
