But I was speaking in a hierarchy-of-needs sense. Not everyone gets to the point where you can choose to do creative work.

I recommend reading some biographies of famous creative people. You’ll quickly learn that a sizable portion of them lived in poverty, took on enormous debts, or died young.

Are you suggesting that is correct choice to make?

Obviously one should try to avoid poverty, debts and early death. But if you are truly dedicated to your creative field, then sure, it's clearly the correct choice. Having a family, buying a house and other middle-class living standards are choices, not necessities. If someone isn't willing to make some sacrifices for their art, perhaps they aren't meant to be great at it in the first place.

Otherwise, when will you pursue your art? In the next life?