That has almost never been the case with MS in my experience
Xojo 
Money may not be the be all and end all of things
Having āenoughā, which is different for each person, is the key
I keep my per hour rate where I do because it keeps me busy enough & able to live well enough
Could I raise it a lot ? Sure
But then I might not be as busy and that would not be good
Everyone has to decide what their āenoughā is