My advice would be to stop trying to play-act at success. This post reads like you've spent several years looking at success stories online, attempted to emula

My advice would be to stop trying to play-act at success. This post reads like you've spent several years looking at success stories online, attempted to emulate that story, hit a first roadblock, and then given up. You've then picked a new success story and repeated over and over. If you have an idea, start trying to work on the idea and when it gets hard, work through it. If you don't have an idea, or you don't have the money to sustain building out the idea, just get a job based on the skills you have today. You know what pays even less than being "massively underpaid": being unemployed.