I believe the biggest barrier for a beginner is a combination of the above factors. It varies on the individual which is the more pressing. For me the issue is money but in a bit of a different slant than some. I do not expect to put up a web site and make a zillion right off the bat (give it a few years
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But for me the issue is setting up something that will help pay for itself and future growth. In other words I'm trying to approach the area as a business and figure out how to create/implement a system that will (1) Pay for its own expense (2) Pay for future growth (3) Pay me. And I'm trying to do it for as little as possible because I would like to be able to help others set up something similar for themselves. People who may be starting close to zero.
Maybe a bit idealistic but I make no apologies for it.
I realize that it takes awhile to build a business and also I am aware that it may take awhile to see profit. But I think one of the weakness of many systems is they teach you components to make money. But they don't help you make a system that can help you make money so you can reinvest and grow in the business. And please correct me if I'm wrong here.