I'm very fortunate in that I don't have money problems. I have lunch with my wife at home. I don't have to commute, so I have much more time with my family.
I literally left school and went straight into music via art college for a year, and I've been so involved in my job of writing songs that the more actively involved part became channeled into standing on the stage and saying things that way.
I favor strategies that encourage industry to include some sort of key recovery capability in their systems which would also address user requirements for access.