Great points. The only nuance I'd add is that, while it may be a little unfair, the truth is that SOME people can be whatever they want to be. They possess the smarts, confidence, resources, and whatever to barrel through that, with a little bit of luck thrown in they can get that crazy competitive job that combines money and fulfillment perfectly or have enough financial runway to keep fighting until their passion project works. But many can't. And they get burned when the feel good 'follow your dreams' advice can't be realized because of market dynamics and the fact that they lack many of the fundamentals that your article rightly shows are key.