You contradict yourself. You say why settle for a low paid Mcjob. Then say you can't be bothered to chase your dreams and offer it this way for the life balance.
Two different points. I say, why settle for a McJob if employment and money are your goals. I have in many posts pointed out that one does not need the resources society says we need to make life enjoyable (television, car, mobile phones, excessive energy consumption, excessive food waste, excessive plastic toys and electronic gadgets, consumerism tat.
The amount of money needed to secure the resources you need to build a happy life, and the amount of money needed to secure a consumerist based lifestyle, are dramatically different. Consumerism and earning money purely for the purpose of spending it tends not to make most people happy. It is a good drug, and it is fed to us from birth with cheap plastic colourful shite, endless toy adverts on TV, free toys with your Happy Meal, and an adulthood being told your phone isn't the best, your computer isn't fast enough, your car is old and slow, and your clothes look dated and tatty. You can buy into that, and either work and pay for it, or feel the misery and depression of believing you can't quite provide a decent life for your family.
I offer advice that both are possible... Work and provide more resources, or be happy with what you have. I do not condone living on benefits, but I understand that disability precludes that possibility for some. The key word there is 'some', because many have no excuse. They do not wish to work for what they want, but they are also unhappy to settle for what they have. So they complain. It gets them nowhere, they know this, they do it all the time. It's become part of who they are as people.
I have never been in six figure salaries, but I got a goodly way up there. It provided excellent foreign holidays, fine food, a top of the range motorcar, well labelled clothing brands, and cutting edge technology. It didn't make me happy. My current life does. That is why I choose what I choose.