The first one is only true for a solo founder. Given that they said "we", the company's money is still the company's money.
Also, it's not clear to me that avoiding accountability is really a plus for a startup. Basically the first thing I did when I was exploring a solo founder/bootstrapped thing was to hire a startup-focused coach to serve as an accountability partner.
He's brilliant, and he started Bootstrappers Breakfast, so he's very comfortable with bootstrapping and solo founders. He asked so many good questions.
Also, it's not clear to me that avoiding accountability is really a plus for a startup. Basically the first thing I did when I was exploring a solo founder/bootstrapped thing was to hire a startup-focused coach to serve as an accountability partner.