Noobs...Do You Find Making Money Not Simple OR Not Easy?

I know that probably sounds like a strange question, so let me explain what
I mean.

Simple

A step by step procedure that anybody with average intelligence can
execute with little or no problem.

Easy

The steps themselves require no particular skill to execute.

So, as an example, let's take this very simplified procedure.

1. Find a product
2. Write articles related to the niche of that product
3. Write a resource box directing people to review of product
4. Write review of product and include affiliate link at the end.
5. Distribute articles to article directories.

There you go. That is what I consider a simple procedure.

But is it easy?

Finding a product that converts well can sometimes be hard.
Writing articles, if you don't write well, can be very hard.
Same with writing a resource box if you don't know how.
Writing a review of a product can also be hard if you don't know how.

The only part of this simple procedure that is easy, at least on an
intellectual level, is submitting the articles. And even that part can
present challenges.

What directories do you submit to in order to best utilize your time OR
money if you're going to outsource the procedure?

And if you do it yourself, depending on how many directories you
submit to, while it may not be intellectually challenging, it can certainly
drain you of your energy if you spend a lot of time doing it.

So what is it?

What is your big sticking point?

Is it that you don't have at least one simple effective procedure that
you can follow (I'd find that almost impossible to believe with so many
great ones freely shared here) or is it that you don't have the needed
skills to execute the process OR the money to outsource it if you would
prefer others to do it for you?

My gut tells me that it's the ease of the process itself that's your
sticking point. But maybe not. Maybe you haven't found a process
simple enough to execute that also brings results given that you have
the skills OR the money to put it into operation.

Anyway, that's the question I'm asking.

Looking forward to your responses.