First dollar insurance plans have higher premiums because the insurer is bearing a greater risk for the insured item. For example, with a first dollar health insurance plan, the insurance company will charge the customer higher premiums since the insurer begins payment with the first covered service the patient receives. First dollar coverage tends to be less prevalent in the home and car insurance industry because of the higher premiums.
Once you really focus your efforts on one method and stop jumping from one thing to another, you will soon start to see results. And once you see results, motivation will take over from there and you will just keep going. The problem for most people is that they give up usually right before they see results. They work for a few weeks or months, they don’t see results, they give up and go for another method. They repeat this with any method the come across, and never make any decent money.