Your bank balance is not a reflection of your profit, and hence the money you get to keep. If you’re in business, a good understanding of how much cash you really have is a good place to start to make you more aware of how this funky "accounting" business works and how to get the most out of all the work you do to keep you records up to date.
When you go into business, many people will tell you to know your exit strategy. Like just about everything else in business, there's two sides to this, there's a spectrum in between and your job is to figure out where you sit on that spectrum.
One part of my role as CFO is to ensure my clients have enough insurance to protect against those factors over which we have no control, without overspending. Every dollar we spend on insurance is one we can't spend on product development or developing the right sales & marketing channels to grow the business.
Accepting other people's money changes relationship dynamics. That is inevitable (and that includes business relationships). If you thought family gatherings were awkward now, imagine what they'd be like if one of your family has invested in your idea and you spend the entire event convincing them why things are awesome (especially if they're not).