This is a hobby. Any serious thought as to how to recover financially needs to be re-examined.
So, if you enjoy tinkering, 2-railing is an enjoyable pastime. I have done dozens, and I taught my brother how to make driver tires, and we did dozens more for fun and an attempt at profit.
If you do not enjoy tinkering, maybe 2-rail is not for you. There are lots of things that go wrong - short-circuits that will drive you nuts, couplers that need to be adjusted, etc. The track is way better looking in 2- rail, and once you get it all figured out, 2-rail runs as well as 3-rail.
There are plenty of 2- rail ready to run models out there, and they are not all that expensive. Good luck, whichever way you go.