lol wut. Seriously? No one should try to make a game unless they have at least $100,000? How much do you think these games actually cost to make? I've spent about $800 on a ton of assets and multiple game engines, and I can very easily make many many games with what I have. I've also spent far more than what many people do. Especially 2D games that use free engines like Renpy, since that doesn't cost anything. Even games made in Unity are made for free. People who use DAZ can drop a decent amount of money on assets, but even then, you don't need to buy thousands and thousands of dollars worth to make a single game with static images.Educated guess, I talk to developers, initial investment for patreon games usually range from zero for people who don't mid pirating what they use to 20~30k USD while a full time investment for a game to be released should be able to cover the living cost and investment of however many people are working on it and I don't see anyone starting this kind of endeavor with less than 100k in their bank account.
Also, be real, no one is just quitting their job from the start to make these games, and are just hoping they end up making enough to pay rent. Things like "cost of living" isn't a factor when it comes to starting development. People aren't quitting their jobs to work on their games full time unless their game has become successful enough that they're able to. No one just jumps in head first like that. It would be a one way ticket to homelessness.
I'm definitely not saying that people shouldn't get paid for the work, and I'm definitely not saying that it's impossible to make money by making adult games. I'm just saying that making adult games is not a business decision, and it never should be. There's way safer options that make way more money out there, and I like to think that most people know this. People start making adult games because they enjoy doing it.