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Coming up with an idea for a product/service has always been the reason that stopped me from starting my own business!

You don’t have to come up with something original. If you see something and think you could do it better consider it.

It also doesn't have to be very complicated. patio11 on here famously got his start selling a program that made bingo cards for teachers. And then doing automated appointment reminders for doctors. Neither of these ideas was complicated or original -- you just need to solve a problem that enough people have, and (critically) be able to market it.

The marketing part is potentially quite challenging. As well as finding a niche market that is underserved.

patio11 is famous because what he did was really non-trivial even though he is such a humble person he discusses his work in very homely terms.

Right, didn't intend to understate the achievement. Mostly emphasizing that the product idea does not have to be complicated or original. Success is overwhelmingly about it filling a need for the target market, execution, and professionalism.

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