Sounds like you have a mostly unexplored passion in programming. So why not do it on the side? Some nights or weekends just read up on whatever language or platform interests you and have a go at it. After a few months when you get a handle on things decide if it's something you REALLY want to do or not.
If it's something you want to do then just go for it. Figure out a way to either stay in your business or sell it. Life isn't very long, if you can chase your passion you should do it in my opinion. Just make sure it's your passion first :)
Also don't worry about the hard problems; it's hard to crack a hard problem...okay didn't mean for that to sound like that, ha! But not every developer is going to crack a hard problem and you'll likely find different developers have different definitions of what a hard problem even is.
If it's something you want to do then just go for it. Figure out a way to either stay in your business or sell it. Life isn't very long, if you can chase your passion you should do it in my opinion. Just make sure it's your passion first :)
Also don't worry about the hard problems; it's hard to crack a hard problem...okay didn't mean for that to sound like that, ha! But not every developer is going to crack a hard problem and you'll likely find different developers have different definitions of what a hard problem even is.