Here's something I've learned.

Truly novel ideas--something that nobody else has ever thought of--are extremely uncommon. Like, once-in-a-lifetime uncommon. If you're waiting for the day when your biggest contribution to humanity is an original idea, you'll find only disappointment.

But that doesn't mean you can't be successful (whatever that word may mean for you). Most of the world's "innovations" simply rehash existing ideas, but do so in a way that stands out above the rest. To make something great like that takes a combination of talent and experience. While you can't exactly control for raw talent, you can, given time, build the requisite skills and experience.

This--for me and I hope for you too--is extremely encouraging. It allows me to dive deeply into my work and, yes, my ideas, without worrying about how original they are or if others are doing the same. Knowing that I can be successful if I work hard enough--all without ever having an original thought enter my head--takes a lot of the pressure off and allows me to free up space to be creative without worrying about the repercussions. As a result, and contrary to what you might expect, this makes it more likely I'll one day have that crazy idea that nobody else had.

This is only my experience, of course. But my hope is that you'll realize it's okay and perfectly normal to be, as you described, "idea bankrupt," as long as you realize that ideas aren't your only currency.

It's not as negative as you make it seem, having your own company has many benefits and few disadvantages. Most of us probably wouldn't consider working 50-60 hours/week for someone else who can ruin everything with a few bad decisions and reaps most of the profits. Find out what works best for you and your ideas and don't be afraid.