^^I can completely understand what you're saying. It's exactly what I used to say when I was, "unable" to invest in myself. Nothing you are saying is untrue. That being said:
As you build a career in the industry and get exposed to exceptional artists, producers, engineers, etc., you will find one thing in common, they ALL reached a threshold when they realized that they had to step their game up. Some had to leave families, some left secure, cush jobs, some gave up their residence and lived in their car to use the money for more studio time, equipment, etc.
Those people who say they can't or that they don't have the money nor anywhere to get it from will STAY exactly where they are. Occasionally, you'll get a one-hit wonder rapper, musician, producer, etc., then it's over. But if one is trying to build a life in this, then they have to make it part of their life, not a hobby attached to dreams.
Now I know that a lot of cats on here claim that they want to be producers and live at home, with their parents, with their meals paid for, their clothes paid for, multiple gaming systems, etc...they need to shut the hell up with that, "I can't get no money" bullshyte. And there's other kinds of cats who work low-wage jobs, live in terrible parts of the city, in broke-down apartments, possibly with dial-up internet connections, drinkin' and smokin' their meager earnings away...they need to shut the hell up, too.
How many of y'all in this forum, on this thread are involved with the production of music having to do with the concept of "Hustle"? How many of you are on here with dreams of making hustle beats and hustle rhymes and hustle money? How ironic would that be? That you try your hardest to be the best at representing something that you're incapable or unwilling to truly be?
The thing about hustlin' is that it's not just about getting the money. It's about sacrificing the things that really don't matter in order to make a path for that money to come in.
If you're not going to invest in yourself, then no one with will find you worth investing into. Believe that.
Chumps.
Peace.