Some very lucky others that do well are from multiple generations of musicians that were essentially born, bred, and raised to be among the world's best and live and breathe music. There was no way I could ever compete with these kinds of folks and the hard life I saw so many talented people including professors that _are_ established after decades to live a very modest life made it clear to me that it wasn't something I should do for a living despite how much I love and respect it all. My role I feel is to support these folks now, so I go to shows, buy merch at the show, etc. and try not to take up space or attention too much and let people do what they do while trying to show appreciation for the work I was too chickenshit to ever do.
The arts and now entertainment fields are very much "tournament" style careers where given very limited public attention the winners take basically all and the remainder struggle quite a lot. It's nothing like professional fields like tech, accounting, medicine, law, or trades like construction, hospitality. In fact, any field that becomes more mass market-driven seems to become substantially more "tournament" style which has greatly impacted sex work - a top n% take an increasingly higher percentage away from an elastic but fundamentally highly dynamic demand.
The misattributed quote "find what you love and let it kill you" is the typical path of the career musician like most arts. I prefer to at least have some money to have more options to make it more fun on the way without resorting to the trap that is recreational substances.