Back when I was in grad school there was a whole set of research people who just lived at the university - but I noticed, they'd didn't really do a whole lot of work. They were just always there, always on hand when the tenured PI showed up to be noticed, and so on. They'd mastered the art of appearing to be dogged 24-7 nose-to-the-grindstone researchers, but it was really just a relaxed little club. Most of their en…
We probably should first acknowledge that the vast majority of research is incremental and not groundbreaking.
>not many people seem to end up making money doing something they really care about
Depending on your interest, this may be a case of expectation management. We should expect that the idea that one can eat your cake and have it too is a rare case. If it's wildly interesting, chances are lots of people are also interested and the competition drives down wages. If it's truly groundbreaking, there may not be a viable market for it so it likewise wouldn't have high wages (as wages tend to be commensurate with the differential contribution to the economy). If you are lucky to work in a field you love and are such an outlier technically that you can command high wages, you must by definition be a low probability case. So most people are left trying to find the balance of making money and doing something they are truly passionate about unless you happen to be passionate about something valuable that most people dislike.