What people need to do is think like responsibly put limits on their adventures. These are grown ass men and women. They are responsible for themselves and if they choose to risk it all on a passion, they have nobody to blame, especially when the money is constantly telling to do something else.
These people are responsible for themselves, and they want to follow a passion, to pursue it, despite there not being very much money in it. The money is constantly telling them to do something else, you are correct. But do we really want a society structured around what money tells people to do? Doesn't that seem even a little dystopian? I heard the phrase a while ago: "a dystopia without a despot".
You say that they have nobody to blame - but that's exactly what's wrong. Why should they have to blame themselves for following their scientific, artistic, philosophical or religious passions? Should they have to "choose to risk it all"? These are the questions that need answering, because I'm not convinced that people need to be considering artistic passions as a risk at all.
I don't think there's a solution to this problem so long as the market decides whether your passion is worthy of you being allowed to survive or not.
A person can eschew the pursuit of money but aside from basic support I don't think society needs to reward them for expressly disavowing its desires.
Investors have a hard enough time guessing which ideas will work out, why would people with no skin in the game know any better?
You seem to be using the phrase "no skin in the game" to mean "no exposure to financial risk". I would argue for a more expansive definition. A planner, as a member of society, does have skin in the game, as they have in interest in the overall proper functioning of that society and the happiness of its members.
And by "work out" you seem to mean "generate a desired level of financial return". I'm sure you can see how once you free yourself from that definition, the range of things it might seem worthwhile taking a punt on grows much larger. If Johnny wants to spend his life building pasta looms for preparing elaborate lasagnes, the potential upside is probably not very apparent, but the downside is small too and can be justified as an investment in making the society a more interesting place where people can pursue their niche interests.
It is more akin to applying for a grant or residency as an artist or for research funding as a scientist. You still have to argue why there is some upside to the work you intend to undertake, but the upside may not be in the form of profit for the investor.
Natural abilities and genetics can accelerate the learning process, yes, but accelerated mastery is really only an advantage if you're trying to master as many things as possible within your lifespan, or you're working under some other deadline.
What I'm saying here is that artists can probably develop software just as well as anyone else here if they're willing to put in the time and resources.
The scorn of traditional art from conceptual art even spawned a reactionary traditionalist movement, the Stuckists.