This OP post deserves merit IMO, hopefully people who can will give you some. One thing I would add to your contrast between
good and bad income is a famous old quote "Choose a job you love, and you will never work a day in your life." You don't always have to work hard, and I do agree helping others adds great karma to your earnings.
I have this theory that if metaphysics is real -- which I believe it is -- money is what binds reality to the metaphysical.
Money isn't just "money." It carries karmic properties.
If you earn good money by helping people, you genuinely enjoy both the life and the wealth you've built. If you make bad or "easy" money, you're going to regret it one way or another.
I've never met a person with a strong work ethic -- someone who works relentlessly, gets paid well, and serves a lot of people -- who regrets the path they took in life.
On the contrary, only those who made their money through shady means seem to carry an internal regret. You see it in drug dealers, OnlyFans models, porn stars, gamblers and traders who made insane amounts of money without real effort, or billionaire bankers who conspired and funded wars to get where they are. It's as though the easy money these people made came with a moral repercussion built into it.
I honestly don't envy a single billionaire who is in the Epstein list. Is it worth selling your soul for an abundance of material goods?
Helping people and charging them for your services is truly the only way to enjoy your life and your money. Any attempt to remove the work from the equation distorts the laws of the Universe.
That's my belief.