It is a rally good point you're making, Brian. I certainly fall into the group you're describing. I used to do a lot of photo & video jobs (weddings, editorials, marketing, etc) but since I'm a caregiver for my elderly mother I can't afford to catch the virus. I'm in a situation where I need to reinvent myself and work on a distance.
With that in mind I must say that is not easy. You don't just create an internet account and money starts flowing. Sure, a few people make it on platforms like OnlyFans and alike, but that is a small minority. I'm not sure it is enough to matter on a large scale.