I’m about to abort a promising project after only three weeks in. What would you do?

I spent the last three weeks balls deep into the idea/prototyping/validation phase of a fintech idea I had for a while. I felt (feel?) like I was (am?) onto something, but at the same time something feels off.

In the last three weeks, I learn a lot, and this knowledge won't be wasted. Some of the time has been honestly thrown away on (now) useless things: picking a name, buying the domain, getting accounts everywhere for the new company, squatting on social media, setting all up shining ... Thank god I didn't incorporate yet, nor raised a single dollar.

Without further ado, this is why I think my project is promising

The Good 😍😍😍

• It is something I need for my own (motivation++)
• It has a positive impact on society (not selling useless shi*)
• I have the technical abilities to build a big chunk of it
• Can be easily monetized with standard recurring business models
• LTV is huge, churns are very unlikely.
• The target audience is well defined (although not a niche), and not hard to reach
• With a fixed number of customers, revenue goes up with time

The Bad 🥺🥺🥺 (a non-comprehensive list of NO-GO items)

• The entry barrier is high (regulations around finance), probably too high for a solo founder.
• A solo-founder SaaS, most people don't trust it with their own hard-earned money. And they prefer banks, even if more expensive. (tested and verified)
• The problem it solves, is not generally FELT in the bones: it’s not something people google in the morning: it often requires generating awareness and educating people about it. It scares me, I did it in the past.
• Another scary thing: Since it manages long-term investment I have to maintain it for decades, by definition (unless sold earlier)
• Customer support must be very intense since it revolves around the management of money, and people get nervous sooner than in other domains when things don't work perfectly as expected.
• There is a strong and well-funded competitor in the US, doing something pretty much identical to what I have in mind.
• It's very country-dependant: Banking/investment/taxes ... each country is its own world, and will likely require different integrations and licenses in each one of them to work as intended. I could pick one country to start with and be happy about it? maybe...
• Requires very high standards of security and privacy, most likely certified levels, since its dealing with financial data.
• Last but not least: I admit I fell in love with the idea myself. which is generally bad, isn't it?

Ok, I can envision I can mitigate SOME of the above issues, balancing them with pivots/funding/time/energy/patience... But, most of the problems are intrinsic to reality, and I don't feel arrogant enough to think I can change people's minds and international laws.

Sooooo... What would you do in my shoes? (Survey at the end)

Some context: I'm 36 with 2 kids, quasi-FI (passive income covers 70% of my recurring expenses). I got burned by a couple of startups that tried (and managed) to raise money before any real traction and quit. I'm coming fresh from a 2-years mini-retirement dedicated to sports, family, and smaller projects. I'm looking for an IH journey, on MY terms.