I hate to paint with such a broad brush, but I’d venture that “creatives” are not primarily motivated by profit. It is almost a truism that money corrupts the creative endeavour.
So money will motivate a lot of the creativity that goes on.
Meanwhile, if you dabble in some kind of art or craft while working in a factory to make ends meet, that kind of limits you to dabbling, because you'll have no time to do it properly. Money also buys equipment and helpers, sometimes useful.
On the other hand, yes, it ruins the art. There's a 10cc song about that. https://en.wikipedia.org/wiki/Art_for_Art%27s_Sake_(song)
Though, this reminds me of an interesting aside: the origin of the phrase "art for art's sake" was not about money, but about aesthetics. It meant something like "stop pushing opinions, just show me a painting".