I'm not sure I've correctly understood what you're implying.

If it's that I'm not working, well, I'm employed.

It it's that I'm not working enough to not have this money... Well, we still go back to the bubble. Not everywhere in the world you can easily find a job that pays you enough, even if you accept to work more. And the employer will not accept to give developers a $200/month subscription, even less for personal use.

If it's that I'm not working enough and I should go freelancing to work as much as I want and get rich (I'm extrapolating). Well, you're right, I could do that. But (at least at first), I would work a lot more for much less money. And even if I become a recognized freelancer, it doesn't change the fact that I'll earn less money compared to the baseline of SF, or even the USA in the tech sector in general. So, bubble again. I could also, like someone said, put the tokens cost into my hourly/daily rate, but I'll be much more expensive than other freelancers.

Also, but that's a "me case" compared to my previous points, health issues can greatly affect how much work you can do.