I understand your situation but I am not saying you to spend money to get the easy way out...
youtube does not allow TTS videos to be monetized so there is a very little chance of you getting monetized but if you have a TTS voice that is not saturated on youtube and sounds natural then you have chance but you said you are using murf, I've used it and it has some voices that are natural but still not very convincing it also depend on your script & which type of words you use, some words are very difficult to pronunce natural by AI, if you hear the demo of murf, it's very convincing but if you put your own script result will not be same...
so it's very hard with AI to get monetized on youtube unless you have a unsaturated natural sounding AI TTS software...
but still I applaud you for hustling & talking action & i wish you the best of luck for your journey!
I hope it get's you where you want to be