Being compulsively tied to income generating work, and then all of a sudden being cut off from that seems like a surefire path towards unhappiness, since someone who has done that their whole life likely hasn't explored the mental space of what else they could be doing with their life.
On the other hand, being totally free from any restraints seems like it could be an almost worse curse. No pressure to complete any projects, to help anybody, to do something useful for the world. That also wires your brain in a particular fashion, and could be it's own version of hell. Perhaps this is sour grapes though :)
I'd like only to add that, what many artists (and in general people who pursue their artistic passions) had, compared to the agerage workin-joe, is TIME.
The only way to understand your passions is by having time to observe your world, to reflect on people's actions, to contemplate nature. If you have to work (because you're the bread-winner and have 2 children already and an house to pay), your only glimmer of hope is to have already found your passion during your younger years.
Finally, your energy levels going on are never gonna be your current ones. Keep that in mind.
And I say that as a man who had a fair number of interests, never had time to really pursue them, and now has to to a work I hate and have no remaining passion at all.
When you spend all that time disciplining yourself to work (against your own will) and having little time to develop your own interests, you become hard wired to do what is necessary.
When that necessity ceases to exist you no longer have the machinery to move yourself. A career and kids and church and a house and big yard to maintain can leave nothing left of you. It can erase your very identity as your brain is rewritten to subdue the self and pursue work, chores and favors over all else.
That's just my hypothesis anyway.