Settling for a Top job is a best option in todays competitive environment. In every decade out of every 100 new companies which start only 5 survive. Moreover if the returns from a top job are equal to the returns from a business then why should one invest his capital. For e.g. if you get paid Rs 5 crores per annum and your business would generate the same returns then why invest huge amount and take the risk. If everything goes well it is fine. But what if debtors fail to pay.
Analyse your goals and be dead sure. After all the success is all yours and the failures is all yours.