The correct answer here is that you are not valuing your opportunity costs highly enough. If you are working 8-10 hours a day, you should be making an incredible surplus. People in ancient societies worked less, and managed to survive just fine. With the technology available today, you could be making millions of dollars of surplus value, if given the opportunity. All you would need is the time to experiment with your skill set, until you found a niche where your work generates a very large surplus.

Paradoxically, you would gain much more from a BI than someone who is currently living in poverty, because you would be free to extract the maximum potential from your hard work and talent.