I gotta say, you sound super lazy!!
You wrote you have tech skills, I then mentioned you could do a course, and sell that, based on your skills. That is literally something I personally could sit down and do in 2 hours, and instead of taking action, you complain, like a bitch!
Example.
I am running various affiliate sites, and this is my fulltime income.
Naturally, I am very good at wp. So I could fairly simple make a course that gives some basic instructions to beginners how to optimize their sites, in regards to speed, and plugins, and whatever else I could see for.
For you, it would be something else, but the fact is, that your biggest enemy is yourself.
You have a negative mindset, and that needs to change.
If you do not change that, your life will be sh**, and you will never make anything out of your life.
Straight facts.