I don't have the personality/aptitude for the business aspects of consulting work; e.g. finding contracts, managing billing, etc.

I have the skills and resources to work in a crafting/cottage industry. However, I know a number of people who work in various cottage industries (massage therapy, tailoring, art). They all make significantly less than I do. The work is also often extremely unstable.

I don't have the resources or knowhow to start a business in a capital intensive industry like manufacturing or trucking.