Do you have a dumb question that you're kind of embarrassed to ask in the main thread? Is there something you're just not sure about?
This is your opportunity to ask questions. No question too simple or too silly.
Culture war topics are accepted, and proposals for a better intro post are appreciated.

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Notes -
In no particular order:
Man, you can respond to things however you want. But I do think you should try some. If you're already so worried about doom, what could failing really cost you?
Subscribestar and Patreon. Patreon's rules are actually pretty lax, basically no underage, no rape, and no real people. Not sure the other platforms even go that far. There are people clearing tens of thousands a month just reselling curated image sets. Probably won't be a thing for more than a year or two, but they're making money now. This is a 'skill' that didn't even exist two years ago, you're not competing with ML engineers, you're competing with random degenerates who asked someone on discord what model they used and how to set it up.
You say you sell images suitable to be book covers. You don't say those images are largely AI. A lot of books come out every year. The same people who were previously willing to pay 200 bucks for some stock images photoshoped on top of each other (Go browse some romantasy covers on Amazon) are now perfectly happy to pay for AI ones. Fiverr is the starting marketplace, but anyone who gets real business just makes their own portfolio site eventually.
Actuaries are a very small percentage of finance. Remote is also very available these days. That being said, a 4 year degree (Literally any major) is very important for these jobs, and if you don't have one, it's probably not a good path.
(Doing art. Print shops are a dying breed, but people still commission covers)
PEOPLE LITERALLY PAY FOR THIS. Seriously. People love the evening news, they love their various youtuber naysayers, and all those AI Doomer substacks. If you actually think you're good at it, go put your money where your mouth is and start seriously seeking a broader platform instead of contenting yourself to be a replyguy on niche reddit offshoots. It doesn't matter how good your content is, if it isn't top-level on a large site, it will never gather an audience.
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