This. This. This. You hit it in the bullseye!
I gotta confess for every business/project/music whatever I start with a team, I always start solo secret side businesses. I don’t trust like I once did as a 8 year old. People leave as quick as they come and you are right, reduces the chance of getting left high and dry. People get jealous too. My safety blankets have served me well over the years. It leaves people wondering how you did it.