The way I see it, there is a lot money in system that people need to "work" for them. If say you had £1m or a similar amount, you'd have some basic options, to make it work for you and avoid losing it to inflation over a 10-20yr period.
- Put it in the bank: 0.5-1% (on deposits of this size)
- Buy some property and let it out: 5% yield
- Put it in a stock market tracker: 7% return
The above are not without risks, but in general pretty safe. Those that want larger returns are the ones giving money to entrepreneurs to help grow it, with the expectation they'll out do the safer options.
Banks mostly lend money for quite safe things, houses, cars, businesses with a track record etc. So the VCs and angel investors are the ones that fund entrepreneurs.
To your original question, I see an entrepreneur as someone wanting to create new something of value, typically a business, but not always. Often they are taking much risk themselves initially, though after a short time they'll need more money they have personally, to grow it quickly, so they'll need to get that from somewhere (i.e. a VC). In my experience entrepreneur typically don't have much money (as in cash) at all, the key trait is ability (and desire) to build something and getting the backing to do that, is part of the skill of doing that.