All of these ways of making a living writing are morally fine except for the first.

My complaint as a reader is that they all involve major skill sets in addition to writing book-length materials, severely limiting the people who can make a living writing and therefore the things available for me to read.

In the before times, the skills you needed to write were: writing the thing people want to read, pitching the thing to publishers, chasing invoices if you're not on staff, and optionally networking/schmoozing.

This still eliminated a number of good writers from making a living writing, but when you compare it to today, when you need social media expertise, community management, event planning, marketing, and speaking skills, and/or the skills to hire and manage people to do them...

And on top of that writers making a living at writing have to deal with massive exposure to unhealthy parasocial relationships at the level usually only sought out by live performers like actors and musicians.

When you add all that together... not only are there very few people who can write, run a business, perform, manage a community, and tolerate parasocial relationships, but most of those people have the option to get paid six figures as a manager or executive.