I love a start up band. Its a step into the unknown. I love the challenge of meeting new musicians and kicking ideas about till we decide on a genre of music to play. Working up the set list and practicing the songs at home till I can play them in the dark, cos we all want to be the one who can say "Nah mate, thats not right, its a G#M there". Being a real part of a band means being in it from inception to first gig.
Also, I would always rather be in a band that simply breaks even, but I love the music and enjoy the company of the other musicians, than an average band where I go through the motions but make money. To have both would be nice but not that important, I have a job that pays well and isnt too bad.