Generally you´re right, we love our jobs but we also sell our working time---and we have so sell our time for reasonable rates!
Getting rich is not the point, but it should be possible to make a quite good living doing something specialized like arch viz.
A reasonable daily rate is fundamental.....if you get paid like a secretary or cashier i would look for an other job----and do 3d in the freetime as a hobby.
Let those customers go!--yes that s the way to go!---
If you have to lower your prices that you have the same hourly rate like " a normal office job" this customer is the wrong customer--and of course there are a lot of wrong customers- in any country-like in any other industry i guess.