Good points actually.
In the Netherlands there are company structures which make you not personally liable.
However, the licenses are expensive indeed.
Possiblities to create an ICO and base it around that?
Again it all depends on the purpose of establishing the company. Are you looking to expand? Why did your friends ask you to create the site. If there's no need for it then it's not worthwhile.
I don't see how an ICO would help in any case though. How do you propose it would help?