Unfortunately, I do need money to launch and achieve profitability. Search is funny like that. Rich Skrenta, founder of the Blekko search engine, made a big deal out of needing only $5M: “you don’t need a million servers and half of the phd’s in the field to build a search app. It takes 20 people and $5M of hardware…if you know what you’re doing.”
$5M might be excessive for my tool, but $0 just won't cut it.
Those who want their sites/products to go mainstream without ridicule (ExpertSexChange.com/ExpertsExchange.com is a popular example) or false negative impression/bias. This is why people often spend a lot of time to choose a name carefully, especially when you consider the long-term branding and marketing.