​Which digital product models actually have decent margins without needing clients?

Physical product margins are a lie once you add up shipping, returns, storage, and suppliers ghosting mid order. Over it completely. Looking at digital stuff now where I’m not bleeding money just to make money.

Seems like the main options are templates/downloads, courses, SaaS, content properties, and this ai persona thing where you build a character and monetize it. All very different skill sets and timelines though so it’s hard to compare apples to apples.

Anyone actually make the jump from physical to digital? What stuck and how long til it replaced your old income?