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It's far easier to live off of ramen when the worst that can happen is that you fall back on your savings, or your family (for a home), or your MBA network (for a job), etc, when your business bottoms out.

This means that it's naturally a filtering function for people who have such safety nets already. It means that there are people who would be putting their lives and the lives of their dependents at risk in order to make the YC gamble.

It might be a filter that "works," but it will inherently be an uneven filter, doing very little to filter founders who already have the means, while effectively barring many potential founders from being able to participate at all, at least not without dire personal consequences.