Great, practical advice. I do think however that by 2030, UBI will be the norm in many wealthy countries, and thus more people will be able to pursue their passions rather than having to sell their soul as dayjobbers to make money for corporations and rich people.
UBI is a bane because it kills meritocracy. The reason most people are successful is because they risk a lot if they weren’t. Surprise: Stress is a factor of excellence. You say it yourself: If UBI is introduced, then none of the hard jobs gets done.
As for a career, other people finding your work so valuable that they're willing to pay you $$$$ for it is the ultimate compliment.