> shitty pay
I can see this complaint in humanities academia, but pay in the sciences past the PhD student level is pretty reasonable. You could probably make more elsewhere, but it's not like you're scraping by on ramen noodles as a bioinformatics professor or anything. Postdocs typically make $50-60k, and professors start at something like $90k at the minimum, easily up to $120k, $150k, or more after tenure, especially if you're in a hot area like bioinformatics, have made a name for yourself, and can get a position at a top-30ish place. Unlike in tech, those salaries often come in places with a lower cost of living than SF, too (at least if you want them to). Six figures goes pretty far in Atlanta, Austin, Urbana-Champaign, Ames, or Raleigh, for example.
You could beat that in industry, but either way you're making solidly in the top 10% of U.S. salaries. And if you really need more money, most universities will let you do 20% consulting time, or do a spinoff startup. There are admittedly other reasons not to go into science academia (the list is pretty long, actually), but fear that you'll have to take a vow of poverty doesn't seem like a strong one.