The thing that gets me about all the comics artist tragic endings is that these people don't seem to realize that there other venues where they can make money with their artwork besides the long underwear pamphlets.
You're right, of course.
But many of these guys want to draw comic books. That's what they love. They might go into advertising or some other field if they absolutely have to (and some have), but they're not happy about it. I can understand that.
Love no doubt has something to do with it, but I would suspect the difficulties you face in the comics biz are much less when compared to, shall we say, more professionally run fields. Try being chronically late with your artwork in any other industry and see how long you last.