I feel like you have to have a special mind to become good at programming. I know a couple people and their minds/IQs are higher than the normal person. Maybe that's an excuse, but I think there's a lot more truth in that then people are willing to admit.
That is true, which is why I said it depends on your individual skillset and interests. You need to know your own strengths and excel at something.
For example, graphic design is a horrible field to be in for online work as the market is flooded. Even moderate professionals online struggle to compete. If you are shit hot though, you can do very well (you need to be that 1% talent in the market).
The interesting thing about online is that the barrier to entry is low and you can do it anywhere, but that also means that you are competing against a much larger pool of people for work/business. It changes the dynamic and value of your work, essentially bottoming out the low-medium side of things as valueless. Why hire someone new or average when you can hire someone in India or Philippines online who will work for a fraction of the cost?
This is why you need to be high end and be VERY good and specialized at what you do. To bring this back to programming, this is part of the reason programming is still a very valuable commodity. To be good, you do need a special mind for it or to put in ALOT of hard work. You aren't going to be competing with some random guy in Bangledesh who just installed photoshop. Anyone can learn to program, and you don't need to be the best programmer in the world to work online, like you need to be the best graphic designer for example.
Surely you have skills and expertise in your current job that could translate online in some way. For example, I have a friend who was a lawyer. He decided to open a virtual law office to work online. He travels around and gives low cost law advice and contracts to small businesses and digital nomads that he meets along the way. He is actually doing very well for himself now (8-10k a month). Business is hard, and business online can be even harder. Forget safety nets and time, you got to earn that shit as nobody is going to give it to you for free.