You think people don't work weekends? Anyway, that doesn't solve the money problem. And you'll need a lot of information, a college degree would definitely help, especially to give credibility to investors. Which takes even more time people don't have.

My friend is running a startup pretty much exactly like you're saying. But it's taking him 2 or 3 years of full time work just to get full go ahead. He has enough savings to do that, and parents house to live in. Plus lots of connections from college. And even him I'm not confident won't go bankrupt. But most people aren't in such a privileged position that they can just decide to not work for several years to start a startup.