Of course, it is the businesses that find a way to make this work that will succeed. It isn't an impossible problem, it is just a seemingly difficult one for now. That is why I mentioned VC funding as appearing to have more leverage over this market than previous ones. If you can find someone to foot the 250k+ cost (e.g. AI Grant [1] where they offer 250k cash and 350k cloud compute) then you might have a chance.
If you want to compete on the actual model, then yes, this is not the time for garage shops.
If your business plan is so good, then it will work without H100 "cards" too, or if it's even better and you know it'll print money with H100 cards then great, just wait.