prepositions - Use of "having" and 'with'

I often have confusion between' with' and 'having' Here are the following sentences:

1. 
   
   

   There are different people having different opinions.

   
   


2. 
   

   There are different people with different opinions.

   
   


3. 
   

   Having access to good ideas doesn’t mean that people will “walk naked into the land of uncertainty.” This takes courage.

   
   


4. 
   

   With the access to good ideas doesn’t mean that people will “walk naked into the land of uncertainty.” This takes courage.

   
   
   

Which one is correct, and why?

There may be some rules about the use of 'with' and 'having' which differs them from each other could you please mention it?