Can you expand on this creative process? Interested in learning more.
Some people have this naive romantic notion that you basically go through some period of "suffering" as an artist and then suddenly you have some "grand vision" unfolding in front of you that's hidden to everybody else. What they miss is all the boring, often tweaking-like work that you have to perform before you are faced with that vision. Suffering without doing work doesn't lead to anything.
It's the copywriter who produces the creative concepts in an advertising agency. Those commercials you see and those taglines/slogans you remember? Those were the brainchild of a copywriter sitting at a desk somewhere, mulling over ideas, soaking up culture and transforming it into a memorable view of that culture. The copywriter imagines. Then documents. Then edits. Then reimagines. Then lets a bunch of others give their opinions. Then edits some more.
Not sure what writers you've come across, but you might want to ease up on making sweeping statements about all - or even 80% of writers. Oh, and most working writers -- the ones who aren't starving -- are hard workers who don't believe in climbing the mystic mountain to seek out the Muse, as you describe.