i can't monetize my skills" is cope.

you can sell a system someone follows.
you can sell software that does the boring part.
you can sell a template that saves 3 hours.
you can sell knowledge you already have.
the problem was never the product.
it's that picking something feels like a commitment, and commitment feels like risk, and risk feels like failure before you've even started.
so instead you stay stuck theorizing about the perfect business while someone with half your skills ships something ugly and gets their first customer.
pick a problem. build the obvious thing. charge money.
that's the whole playbook.