Entrepreneurs start regardless of the economy, how easy it is to get a loan, health insurance, or role models. If you're waiting for the "perfect time" to start, you'll never start.
Which is my guess for what will happen to the majority of people who took this survey...
I'm not one to make things extra hard on people, but I also don't belive that anybody benefits when something is too easy. There is value that comes from having to build the kind of desire that makes you jump through hoops and deal with all of the "problems" mentioned above.
Personally, I look at this as the very best time to start a business, since fear of a "tough economy" and lack of access to easy loans has already killed off much of your competition.
My solutions to the "most common barriers" mentioned above...
Student Debt - Pay it off. Or learn to live with it.
Non-Student Debt - Same as above. And stop being an idiot and have respect for money. This is why you can't get a loan. If you can't handle your own money, how are you going to handle the money of somebody else?
Health Insurance - You're young and healthy. Buy a major medical policy that will take care of you in the event of something catastrophic.
You can get a policy with a $5000 deductable for not a lot of money. Not as good as the policy you have working for the Man, but you'll be safe to go out on your own and, should something happen, it won't ruin your life.
Little Demand for Product - Seriously? Are you in the convincing business? Make it easy on yourself and find something people want!
Lack of Role Models - They're out there. If you're having trouble finding somebody, start by reading books about successful people.
Personal Doubts - Everybody who has ever started a business has doubts, but they press forward anyway.
You'll never know how fast you can go unless you crash the car.
No Skills - Easy to fix. Start reading, take classes, go to seminars, and be open to learning. Then jump in, mess some things up, and improve your skills as you go along. Real learning happens in the field.
Not Knowing How to Run a Business - You're going to let this stop you? How else, other that running a business, are you going to learn?
Too Much Risk - If you think starting a business is too risky, you have a lack of desire.
Can't Get a Loan - There is more money out there than there are good ideas with good people to execute them. If you can't get a loan, the problem is either your idea or you.
Even a turkey can fly in a tornado. Stop waiting for the perfect time to start.