It Actually Takes A Very Little Programming Skill To Create Your "Own" Cryptocurrency.
Here Is The Tutorial : https://cryptonotestarter.org/inner.html . It Takes Some Money Though To Maintain Your Coin (Running The Node, Mining It).
Or Maybe You Can Create A Token On ETH Network, Just Use This Site :
https://vittominacori.github.io/erc20-generator/ . It's Safe And Open Source. It Only Takes ~10 USD For The Transaction Fee. When You Create A Token, You Didn't Have To Maintain The network by Yourself. So, It Can Cut Cost.
