Risk: Moderate

Starting a personal errand running business from scratch can be risky, especially for someone who can't afford to lose money. There is a potential to lose money on transportation costs, time spent on tasks, and expenses for any items purchased on behalf of clients. Beginners may find it challenging to attract clients initially, leading to a loss of time and energy. Some startup costs like marketing materials or a website may not immediately pay off if clients are slow to come in. Online discussions mention instances where individuals have failed to make a profit due to low demand or competition. I'd rate the risk a 2 out of 5 because there is a significant chance of losing money, time, and energy, especially in the early stages.