The other problem is that with only one person (you), there's only so many features you can add to an app, and a team (or AI) will now be able to duplicate those features. You need to come up with something fairly unique and hard to duplicate.
Take the outside capital and ride the dragon. Doesn’t always work but if it does you’ll be doing fine.
Took me 18 years to get to success. Sometimes these things take a while.
“limited downside” is not necessarily true. You could waste a lot of time, worsening relationships or just missing out on time you could have spent with loved ones, who will be gone someday. Spinning your wheels can have a real cost, don’t dismiss it.