You asked "Put another way, are there many people devoting their entire working lives to OSS with no other compensation or resources,
essentially going bankrupt to write OSS?" He answered, "I wound up nearly going into debt". There are different meanings of "bankrupt", but "out of money" is a reasonable definition to use in this situation.
Besides that, it's in extremely poor taste to marginalize someone's sacrifice of two years just because you think they're privileged. It's usually better to make much of someone's contributions than to minimize them.