I understand your logic, and spent years looking for and researching (unsuccessfully, sadly) a means of helping the poorest among us for a solution that I could be comfortable with, that wouldn't take up a great deal of my personal bandwidth and that all but eliminated their risk (except for a bit of their time) of losing money. I learned 3 decades ago, no matter WHAT awesome deal you place in front of people, you are going to have adopters, half-hearted "little toe in the water" types, modest successes, and runners.
And there is ZERO, I repeat ZERO way to determine who is on the other end of the line that you are talking to until a week, a month, even a year of water flows under the bridge and you can start counting the money.
My experience has been, as several have suggested in this thread, the LESS skin in the game, the LESS people will value the opportunity.
But it has also been this - when you have a runner in front of you - a true HUNGRY RUNNER in the making, it is BUSINESS MALPRACTICE to send them packing because they are broke. STUPID STUPID. - Don't do that!!
Show them how to generate working capital online FOR FREE - and I MEAN REALLY FREE - no up front money, no ongoing monthly fees, no advertising costs, no upsells, no consulting gotcha agreements - none of that! And when someone takes you up on it, you've just saved your larger business from losing a runner. Because someone you do that for is highly likely to be THE MOST LOYAL PARTNER YOU'LL EVER HAVE. Period.