I think what Springlab is getting at is that this sounds oddly like the beginning of a pyramid elevator pitch.
The chances of just walking into a room and going “Hey guys, gimme some ideas on how to program something that’ll let us all live off the fat of the land” and actually succeeding is pretty low.
Companies that are out there and putting together cloud software, such as Freshbooks or Basecamp, built their products mostly out of a perceived need they found in real world situations. Which is why so many copy-cat products get made that mostly suck really, really bad.
I’m not saying it isn’t possible, and I’m not saying you don’t have the drive or the chops to do it. But this definitely isn’t the way to go about doing it. Right now you sound like someone on the hunt for a way to get rich.
Yes, I could really do with some real life business experience so I can build something that I will use and other people will use as well. But I just cannot think of any software system I would use, even though I have some hobbies I could potentially build software for etc.