It’s an interesting paradox. As a writer with four novels in print, one of the most common questions I get is “When are you going to quit your day job?” On the other hand, take a writer who has done just that and runs into financial trouble. One of the first questions they hear is “Why don’t you just get a real job?”
Writing “professionally” is a real job. It’s more work than any day job I’ve had. There’s the actual writing, the rewriting, the communication with editors, agents, and fans, the paperwork (contracts, taxes, etc.), and that’s before you decide to go to that convention or booksigning, or try to do some publicity for your work.
The real question is “Why don’t you get a safe job?” One that would provide you with stable income, health insurance, and everything else you needed to avoid this mess.