You can have a great viable market and if you don't have the money to build the widgets, you are stuck pounding sand.
BTW if Wozniak hadn't met Steve Jobs, he might have spent the rest of his days working at HP, being one of hundreds of brilliant engineers nobody has ever heard about.
Woz is many things, but he is not --and was never-- an ambitious corporate leader. Wozniak built the Apple I and Apple II but it was Steve Jobs that built Apple Inc.
He took advantage of his connections and built one of the biggest, most influential software companies ever.
He then stepped back at the height of his career, listened to his wife, and the two of them built a very innovative philanthropic organization.
There are plenty of rich kids that don't accomplish anything, Gates wasn't one of them.