I like threads like this, where people pour their heart out and feel they're run into a brick wall. The fact that you created such a thread shows you are intelligent and have the ability to apply critical thinking to a situation. As some of the replies earlier have mentioned, being smart and skillful isn't enough as there are millions of people doing that but not all are earning a lot of money (do note that not everybody wants to be rich though, but I'm sure many of those that did study wanted to earn quite a bit of money).
The fundamentals never change, find a need and try and meet it. Following methods and what other people do is the same as going to university and expecting everything to land on your plate. The struggles online are the same as in real life, just in a different manner. Nothing really changes in life as time goes on, things just evolve but the fundamentals are there.
Those that are earning a lot often have the privilege of being put in areas full of high earners that give them advice about where to exploit their skills the most. Find something that you could spend a lot of time on - not necessarily enjoy but can see yourself growing with - and don't think about money as a figure, but as a form of reward for your work. You'll get there, keep chasing you're asking the right questions.