> One of my big issues with the 'follow your passion' advice is it almost always comes from people who are already rich

This. My sister is quite an accomplished artist who decided out of college to follow her passion. https://instagram.com/carmeljenkin?igshid=YzcxN2Q2NzY0OA==

She is not rich and has to hustle like crazy to sell her artwork while also working tables at a casino and raising a daughter. I doubt that she would advise anyone to just follow their passion without first establishing some kind of financial base.