Lets further constrain it then to singing or painting, both areas where I was always horrible (and my guess would be a lot of people in tech are). I just don't see myself getting good enough at those to be anywhere competitive with other people and I definitely wouldn't enjoy it.

So if those were the main areas where there's decent money to be made, best I could hope for is get a mediocre position to earn some money to hopefully pay back my student loans while definitely being unhappy doing something I don't enjoy. The alternative would be to go into some field that pays shit, let's say CS in this scenario, where I might be excellent at but even earn less than being a mediocre painter, and hope to still make it there and at least be happy. Now the choice is much tougher IMHO that what was initially suggested.