Through the lore, cloning is most effective and explicitly tied to the Pod - cloning apparently was most effective with the "burn scan" method, to create the most up-to-date clone as possible, but causes massive mental trauma to whomever it was applied to. Pods had a 97% or higher success rate (Transmission of clone scan data on a planet had high failure rates and other problems) and greatly simplified the queuing of conducting the burn scan: the scan is conducted when the pod is breached, which spells death for the pod inhabitant anyway, negating the cons of the burn scan.
What does all this mean? I believe it paints the picture that becoming a capsuleer is largely a matter of money - can you afford to become certified as a pod pilot, and then afford the necessary pod and clone (Additionally, Concord has mandated all pod pilots MUST have a clone). The secondary requirement is the issue of mental fortitude or will - joining the insane, effectively immortal ranks of capsuleers who live on a wholly different world and plane than the people around/beneath them.