That's a good one - I've heard the degree excuse used for many things, not just starting your own business. But I've met some newly degreed people who don't have a clue about anything "real life" because they've been locked in academia for most of their life as an adult and all of their childhood and teens.
CD, you're right - it's just a matter of beginning to interact with people and it soon becomes much easier and more comfortable.
Okay, here's a tricky one:
"I can't start a business because I can't get a broadband connection in my area and need it for the type of business I want to start." (Or, substitute "Broadband connection" for any tool that is needed but not available/affordable for some reason.)