The success of new projects often depends on the ability to correctly assign roles, responsibilities and monitor the execution of tasks. You also cannot exclude the effect of synergy in creating startups. Office work motivates better, synchronizes the working time of managers and performers, and allows you to quickly solve emerging problems. Remote work via video chats is possible in the future, subject to the growth of the company, strict compliance by employees with their regulations, and in situations when a performer of the required quality is found in another city or country, and he is not going to move. Here, yes, it's easier to outsource some processes.
I don't really know what a stingy person is (I think that I mean Skype (Skype), and the author of the question just has a small problem with English phonetics), but there are really enough means of remote communication. However, as my personal experience shows, live personal communication still remains much more effective and productive than any remote communication, even with the use of voice and video conferences, especially at the initial stage when ideas, architecture, etc. are being built. So having a place where you can get together as a team at least from time to time is still better than communicating only over the network all the time.
The second aspect is investment. In the office, it is more convenient and somehow more comfortable and pleasant to hold meetings with potential and existing investors, this is still some indicator of the seriousness of the company's intentions and plans. Of course, you can meet in cafes and restaurants, but the effect, again from my personal experience, is completely different.
Finally, a purely psychological aspect - not everyone can work effectively at home. Even programmers, who, apart from a laptop, a comfortable chair and broadband Internet access, seem to need nothing at all to work. But no, it happens that at home and the atmosphere is inappropriate, and distracting, and there is no mood, and a lot of other things, and it is much better for a person to have a place where he can come, work, and return home.