I think what he’s trying to say is that if you don’t have the money to upgrade your account, it raises the question of how you’re going to afford setting up a company, opening a bank account, and handling everything else that comes with it.
And if you’re not making money right now, you probably don’t need a setup like this, unless you’re 99% sure that you’ll be earning serious income very soon and want to use the Trust List to find a service that can help you establish a holding structure and get ahead on tax planning.