Around 1993, a co-worker and I were looking at a Savings and Loan building that had been closed for a long time, and wondered how such a big time S&L good go belly up. It was a really nice building, and we were trying to one-up each other with the "great idea" that could justify picking up the lease for the building on the cheap.
My co-worker thought a big coffee shop with comfortable chairs, and selling books and magazines and stuff would be easy money. I said that people would just sit around and get crap all over the books and wouldn't buy anything. We might make a few cents on the coffee and muffins and go broke on the rest of it.
My friend was trying to sell this workout machine and I said, "Wouldn't it be great if there was a computer-based brokerage that could advertise and sell the thing for a piece of the action." We could run the thing in that building.
"They have this World Wide Web thing, and I think you can put pictures in it and stuff." We started working on the thing, we slid an HTTP server onto the company's Unix server, made some pages. We putzed around, showed our little secret project to some folks. They thought it was stupid, and possibly criminal using the company's equipment for "testing" and wanted no part in it.
This is a hell of a lot of work for what-- 10% 15%. Few people heard of "web". We thought, "I guess this sure is stupid, nobody is going to see it, find it, buy it. "This web thing is a bust".
My co-worker got us a side gig teaching WordPerfect, for $25/hour and that was sweet. Real work, real money. Get rid of those get- rich "easy" schemes.
It goes without saying that the stupid "web" took off, and that brokerage thing eventually gained traction. We torture each other when we hear about "eBay" in the news. When we hear something that says eBay is having problems, we tell each other, "Boy, I'm glad we didn't do that, we'd be in court or something." "We'd have so much money, it would keep us awake at night worrying about it."
My friend and I are still wage slaves, and that S&L building now houses a major bookstore with a major coffee vendor inside, who's not going to get any free advertising from me, since they are able to do a brisk business with people sitting around drinking coffee and eating muffins.