Bill, I agree with you...for the most part.
Sometimes it seems that everyone's a writer, or at least an aspiring one. Thing is, there's a lot more to being a writer than actually writing. Writing in most genres is 90% research -- not just of the subject matter, but of the market, potential publishers, potential marketing plans, and of what's already been published. Wait -- amend that percentage a bit; success requires a good amount of time and effort spent on marketing yourself and your products. Published writing work is a product, and writers are brands.
If you are a very prolific writer in a very specific niche that happens to be "hot" then yes, you could make a lot of money through N-F books and e-books.
If you are a very lucky, talented fiction writer like King, Rowling, or Gabaldon, you could make a lot of money.
If you write poetry, children's books, magazine articles, romance novels, short stories, etc. you'd better be doing it because you love it.
Self-publishing CAN be a very lucrative method, or even in some cases a step toward traditional publishing. The myth that "if you can't get published traditionally, don't bother" is not true. BUT it doesn't work in all genres, and you have to be brutally honest with yourself about whether you really expect to succeed or are doing it for pure vanity. And there's nothing wrong with vanity publishing, if your goal is merely to possess a bound book. Vanity publishers aren't necessarily rip-offs. They're wonderful for things like family memoirs or autobiographies.
HOWEVER...
Writing for businesses, a/k/a copywriting, marcom, or commercial writing, is a whole 'nother beast altogether. You CAN make a LOT of money doing it. Not everyone can, but if you possess the required skill set (which isn't necessarily a college degree in journalism or English lit!) you've got a great shot at it.
Again, it's 90% research and marketing, and while a great deal of your success depends on your people skills and general professionalism, it's certainly something you can do ANYWHERE, even on a remote farmstead. When I started out, I went to local business events and targeted local businesses. Now I have clients all over the country, literally coast to coast, and do most of my work online without ever having to leave.
Maybe I should write a book about it.
Oh wait, somebody already did. Several somebodies. If you're interested, start here:
http://www.wellfedwriter.com
And DO NOT, do not, do NOT get sucked into AWAI.