Rhody, you had me until I read this. It's not about the money, yet you left the business in part because of the money (or lack thereof)?
It bothers me when people say it's not about the money. That used to be me. I've since discovered that unless you are independently wealthy, have a sugar mamma, or inherited a chunk of change, yes, your day job is to some degree about money.
It's the mentality of "I do this for the love of it" that media companies lean on when they don't offer wage increases for years to those deserving. "Well, you could be replaced at any moment" is now the company line, because it's true, largely because there are so many in this business who will work on the cheap "for the love of it."
The reality, as you've evidently discovered, is that loving the profession doesn't pay the bills. I think it's cool that you can still enjoy covering a game as a freelancer, I just think that it is about the money, at least somewhat, to those who depend on it for thier livelihood.