Looks like target of your post is a programmer with years of experience that for some reason don't know how to earn few pennies. So i guess ... no one?
In OP's defense, only the first point actually requires programming knowledge; and even with that, you don't even need literally years of knowledge to start a decent site. In today's day and age, you can run a blog or an online business with zero programming experience. I know this because I myself started both with knowing literally nothing about programming.
I'd have to second this one. My cousin's boyfriend, as far as I know, don't have any background in programming. He's taking up AB Theology and for sure that doesn't involve programming much. His skill is only on writing and is self-taught on web designing but now, his blog is starting to earn slowly and his efforts are paying off.
Well, my point is, if you really want to do something, you'll do something to make it happen, whether it's has something to do with crypto or not. The last part of OPs post says it all — stop limiting yourself.