I hear you, original poster. My family and friends don't have money (certainly not any to lose), nor do I, so don't let people who have that luxury pressure you into thinking that's an option. Even a $1k loss could be serious and leave someone in debt or without things like health care.
But! Hit the library and look for books like Gothelf's Lean UX, Alvarez on customer development, Klein on UX for Lean Startups. Especially since you don't have the privilege of money (losing your own, or someone else's), you need to do what you can to make sure you don't end up like 94% of startups -- which is to say losing it all. Work hard to challenge your assumptions that your "idea" is really not being done elsewhere. Challenge your assumption that people will want it AND WANT TO PAY FOR IT; just because you or friends like it has almost no correlation to that. Don't ask people "this is my idea, do you like it?" Research what problems people can't deal with, and see if your idea might relieve their pains. Build paper or human-run prototype (cost? almost nothing but time), test them with real, unprompted people with the goal of breaking, not confirming your assumption.
That will give you a stronger, more likely product, and something you can take to investors beyond "I have an idea".