In my case, I'd need to convince my parents or trustee to start loaning out the money. I suppose that makes it a loan or angel arrangement over a donation. True about small businesses. My dad's mainly into apartments, commercial real estate, and housing on long term (rented) basis. Myself I work as a programmer in a small business. More to life than the BIG FOUR or whoever wants to become the fifth.
Well I know a mid 8 figure only-child family, but don't know or lie about knowing "10 figure parents".
I'm working and getting a $28k bonus for evading the gift tax--that's fine for now. My parents would know about that part. I have the pressure to present any business ideas to my parents, or even the trustee. Video games frankly seem tempting.