You have to want it as much as you need to breath then you'll succeed. Playing safe and afraid to take risks is understandable but without risk I would never succeed in this business instead I would be one of the 98% who fail in internet marketing! It's all about how bad you want it.
You just remind me of one of my Chinese student who wanted to kill himself because he was in debt. It was easy to help him because he had a strong "WHY" he wanted the cash and was willing to take risks. I lost more than $5000 before making money online and never regret loosing the money because honestly, no one scammed me. I was just all over the place, buying product after product searching for the magic bullet. Till I told myself I'll do 1 thing for the whole year and 4 months down the line I made my 1st $500 a month.
It took me close to 2 years to make money online without giving up. You have to loose some to win some so playing safe wont cut it. We learn from our mistakes. There's no success without failure my friend!