I agree with you on that level but I intend on training 16/18+ year olds. I intend on educating myself for the most part through practice (not solely internet-based) and wouldn't offer any services until I felt confidence in my knowledge/ability. I don't want to stray into the education debate, but I'm at uni now studying photography, and I really don't need this course to start a business.
I've since found that I could attain public liability insurance and have clients sign a contract identifying me as a 'personal coach' type character and it would work as 'helping a friend'.
Thanks for your feedback taekwondofan