Ask HN: I have a solid idea for an app/site but unsure what to do with it

Actually its not so much that i dont know, there are a few things stopping me from taking it further. the idea came out of a problem i faced myself and ive found a lot of others facing a very similar issue, ive searched around and no one seems to offer anything like it either, i dont really see why it wouldnt work.

So why am i not doing it? there are several reasons:

1. Its in an industry im not experienced in, the concept is solid but i believe id need a reasonable amount of help to navigate the legal/paperwork parts

2. I am not a person who is comfortable working for myself, despite many times being told i should its not something i want, nor am i good at telling others what to do, simply put im not a leader by any means. id much rather just have a normal salaried job, i dont want the hassle or stress of running/owning a business

3. I have a worse than bad credit rating and zero cash so no funds to invest or get any assistance and very little chance of getting any

what bugs me is that i still kind of need a service like the one i have in my head but at the same time i dont want people calling me a fool for giving away another solid idea for nothing, it wouldnt be the first time ive done it.

so what do i do? once again just hand out the idea on a forum or some such place so someone else makes it and its there when i need it in future or just shut up and let it go quietly into the night?