A simple rule of thumb for pricing products and services:
At this price point, can my customer get a 10x return on this investment?
If you really want to stress-test your products, try 100x.
Is a $19 PDF that helps people structure their day good for $1,900 of value over the course of a lifetime? Sure. If it helps someone land a new job, develop a new habit that keeps them healthy, pursue knowledge that increases the value of their business.
Can you build a $99 course that teaches the skills to make $10,000? Of course. Anything that increases earning power is a worthwhile investment.
Can you make a $499 curriculum that teaches principles that can be leveraged into $50,000 of income? If you implement what we've covered here, and divorce your time from your money, your ability to earn is no longer constrained by the hours in the day, but your ability to scale your reputation & network.
Can a $20,000 investment in precisely articulating the message of a business deliver $2,000,000 of new contracts/sales/growth? A single enterprise-scale engagement can net a 100x return on a $20,000 story. It happens every day.
A lot of people with plenty to offer suffer from undercharging for their work.
"If it's not costing me anything to sell, or I'm not turning up in person to deliver it, I feel uncomfortable charging more than $x."
You're forgetting three things:
It cost you a fortune to learn it. (You paid in time, which no one can reimburse you for.)
What you charge is a proclamation of how much you believe in your product. (And yourself.)
It's more difficult to produce a product that can deliver a result without you. The variables that you must take into account to ensure your customer experiences the transformation you intend is a significant and challenging undertaking.