All serious Urbiters today are on a spectrum from pure builder to pure founder. This is not a problem—it's related to Riva Tez's remark that Urbit is a network of priests who need merchants. It's something like the employer/employee divide (at the extremes), but most of us are a bit more awkwardly in the middle of that span.
Becoming a founder means living in a world with an asymmetric payoff matrix. To found something means the opportunity to create massive value (rather than eke out minor value), and likewise to capture all or a significant portion of the created resources or streams.
Urbit seems to be trending towards a world wherein there is a slowly-growing pool of builder–founders that are perhaps housed in relatively fewer organizations. Urbit Foundation is growing in size and scope. Some other organizations have proven unable or unwilling to work within the constraints of building a hundred-year computer. The Aegean vision points towards a co