There is a third option: most people work a menial, part-time job (not "part-time", but 20 hours a week, tops) that is paid a decent full-time wage, which supports their aspirational contribution to society - their "creative" or "professional" work. I know, qué horror that a world-class engineer, architect, or artist would not be able to devote themselves fully to their craft. However, the truth is that most of us are not world-class, and get maybe 4 hours of good, intensive professional work done a day - work, as you know, that can be done in no small proportion from a home office, no "second commute" required. Even among the best of the best, it is acknowledged that only a few are able to nose -> grindstone ad nauseum (and often to just that - see the recent, untimely passing of infamously workaholic manga artist Kentaro Miura).
So, you do your client meetings, work on your highly-technical project, and after lunch, head to your retail sales job, or food service, or customer support, which you work for ~4 hours. This engenders humility and community engagement, while also flooding those spaces with workers so that no one employee has to put in a 12-hour shift (increasing the quality of their work and decreasing the risk of injury). And everyone gets paid enough to live on.
I understand that this dashes the paradigm of expertise or other specialized quality (like social connections...) deciding one's level of income, but it has always confused me that we pay LESS money to do the things people DON'T want to do. Most professionals and academics don't enter their fields for the high pay; aside from the necessity of meeting material needs (including student loan payments), it seems that the primary drivers of entrance into and achievement in such careers are intellectual interest and social prestige. Perhaps our attitude to compensation should reflect these truths. It means giving up the privileges and structures we've heretofore considered indelible, certainly, but it solves a lot of the problems mentioned above.