There are already so many skilled professionals doing anything it takes to make their work commercially viable that a beginner can't cut to the head of the line even if they want to.
Well I think that view is a bit too pessimistic. Assuming it would be true and beginners didn't have any chances at all, there wouldn't be anyone making money with his creative work. A good friend of mine just got his first novel published, so there ARE chances if you are good enough. Of course luck and relations are factors too, but I think if you are good enough and there's some market for your art, there are chances enough to make money with it.
Speaking of reasons to make art... of course there are many people who mainly do it for the money (although I think only a few of them ONLY do it for the money) and I absolutely respect anybody who has found ways to successfully exploit himself/herself and make a living for it. You have to know that this isn't that easy as it may look at the first glance, for example you'd always have to fear your next work could be a flop.
To me making music is part of a self-actualization and self-healing process. I have to do it, there's something inside that wants to be transformed into music. If I wouldn't make any music, I'd most probably be depressed and unsatisfied. Although I do get some money for my music, it's merely a little additional pocket money. Of course I could give the music away for free (and I already did with my very first 'Gras - Gras' album which is available for free download), but I think that way it would lose some value (but that's a totally different topic we had already discussed a few times here I think).