It sounds like you are afraid of opportunity costs and the failure of any investment of time going bust. You are future thinking and probably worried it won't

It sounds like you are afraid of opportunity costs and the failure of any investment of time going bust. You are future thinking and probably worried it won't work out, as you've lost some clients. I would recommend picking the least risky option you can do, and stick with it. It may help if you, as an exercise, work out what the least risky thing is.