Unlike student loans you can always declare bankruptcy if startup related debt is unmanageable so it's only really an issue for older founders who have actual savings.
None of that debt will be from your investors, and, once you have investors, the norm is that you'll be taking a salary as well. "Funded startup founder" is an immensely privileged position from which to operate and not remotely comparable to that of a 30 year old who chose the wrong major and faces six figures of non-dischargeable debt.
