This is a well-known line from Bill Gates about how businesses should treat customer complaints. The full idea behind the quote is that unhappy customers, rather than being a pure nuisance, actually give a company the clearest feedback on what is going wrong with its product or service. That feedback lets a business improve, so the unhappy customer becomes a valuable teacher rather than just a source of trouble.
The word that completes the blank has to capture this idea of gaining useful insight or knowledge from complaints, and "learning" is the exact word used in the original quote and the one that fits the intended meaning. A business that listens to its most dissatisfied customers learns about flaws it might otherwise miss.
Option 1, "earning", does not fit, because unhappy customers do not directly generate revenue; if anything, they threaten it. Option 2, "irritation", and option 3, "worry", both describe negative emotional reactions a business might feel, but they miss the positive, constructive angle the quote is making about turning complaints into improvement. The whole point of the saying is optimistic and practical, framing complaints as an opportunity, which only "learning" reflects.