|more useful options|
I would suggest that you not make assumptions about my preparedness without knowledge.
Why have I not collected money from investors, or bank loans and then used that money to pay programmers? Several reasons. The most important one is control. The second is availablity. If I am unable to get people to share the risk with me, then I can still do that. I may need those funds later in the launch process, perhaps for equipment, supplies, or facilities, which are certainly not going to be obtainable without hard funds. By husbanding my funds and funding sources now, I will still have them available later.
So far as a plan, I don't know what you are refering to. I have a business plan. In fact I have one complete one, and my lawyer is independently developing a second one for comparison. If you mean a development plan, then you are correct that I do not have a clean written project plan, that will be the first order of business for my development team. This is not uncommon for a creative endeavor. I am not opening a Wendy's Franchise here.
And one final thing, I am not asking anyone to work for free. I am asking experts to risk some of their valuable time on the expectation of significant rewards. Yes, I am asking them to gamble. But no more so than if I were asking them to invest money in my enterprise, then I were to turn around and pay them (or others) with that same money.
I understand that this is not a risk that you are interested in. That is certainly an understandable position.