Yah, honestly, it is probably betrayal because with family and friends there is a high level of personal involvement. You can get into the same trouble with any type of arrangement, digital or real.
The digital world can be riskier, though people in person are just as willing to scam you if they can.
The distinction isn't in the person you are dealing with, but rather, in the way you protect yourself and your assets. Each partnership needs to be given respect, trust, and protection to the degree of risk and reward that is offered.
So, to answer your question, yes, it is always worth getting into a worthy partnership, real or digital. I guess the hard part is knowing what "worthy" really means.