RE: making money online

Allowing workers to work remotely greatly increases the chance of their productivity going down.

My productivity goes down horribly when I have to interact with remote coworkers. I know I am biased, because I have 5 minutes walk between home and office, those that have to waste time and money commuting to work benefit quite a bit from home office. But it doesn't change the fact that if there is some problem locally, it resolves in talk-1-2-3-done, while remote interaction often includes writing issues, commenting in merge requests, trying to figure out how to describe the problem when it looks like it would take less time if I just solved it myself etc. Also when remote coworkers need something from me, they have to wait way longer. Local coworkers can just call for my assistance and most of the time I'll respond immediately (unless I have a scheduled meeting), calls from remote people are just notifications on the chat - much easier to push aside than a person standing and staring at me eagerly.

Freelancing ... Certainly there are exceptions but the statistical fact of the matter is that it's not worth it

And yet in isekai mangas all the young boys and girls want to become adventurers. Free of work safety, free of social security, free to risk their lives every day for pay that barely covers immediate costs of living (if they are lucky) - certainly a career path worth pursuing. But sure, you just have to slay a dragon and you are set for life :o)