

This is true but there is a matter of being able to split up work into multiple pieces easily and prioritise between services. E.g. the piece of legacy service that nobody likes to touch, has no tests and is used for 2% of traffic can take its’ time getting sorted out without blocking all the other services moving on.
You still have to do it and it should be ASAP, but there are more options on how to manage it.

I think your example is great for how the messaging of “pick a job you love and you’ll never work a day”/“you can be whatever you want to be” can be quite harmful, I know several people in similar situations with various art/creative degrees.
The only thing I’d add is to consider what a degree will do for you if you can’t work in the field it’s for. E.g if you get a degree in marine biology it may be used to re-train as a teacher or similar, but not much else. Meanwhile a degree in some business subject will probably allow you to apply for most office jobs in general. You may not love it, but it’s a lot easier to have a decent salary and find a hobby than to starve trying to get paid for your hobby.