Risk: High

Starting an online course and digital product creation service can be risky for beginners with limited resources. There is a potential to lose money on marketing, software tools, and resources. Beginners may invest time and energy without seeing immediate returns, affecting their confidence. Some people have spent money upfront on courses or tools without generating profits. Startup costs for tools, advertising, and content creation may not pay off if the market is oversaturated or the offerings are not unique. Online discussions mention failures and losses due to lack of market research, ineffective marketing strategies, or poor product quality. I'd rate the risk a 1 out of 3 because there is a high chance of losing money, especially for those starting from scratch and unable to afford setbacks.