Eesh, really? Comments like this always terrify me, as I'm 28 and still don't even have the seed of a career (though a healthy nest-egg due to some lucky investments and a ridiculously performing set of stock options from a previous job). I'd say that about 50% of my friends do, but I envy literally none of their lives. Their salaries, perhaps...but more or less nothing else. The idea that you're screwed if you don't have your future entrenched before you're 25 strikes me as very old-fashioned...but if that's the norm now, I'm up the creek without a paddle! Either way, I wouldn't stress too much over it if I were you.
My father, for example, has a very decently-paying (though not six-figure territory) job that he absolutely loves, and according to him he didn't even enter into the profession until he was something like 33. I doubt I'll be so lucky, but it makes me worry a bit less.
And to OP... I think PeaceFire's success is down to a successful combination of luck, connections, business sense, and talent, and I personally wouldn't get into the business because I possess none of those. But I don't see any reason at all to say "don't bother." If you have the confidence, the ability, and the drive to stick it out, then you have a fine chance of succeeding. Of course it'll be difficult, but no matter what happens (provided you don't completely wipe out your financial existence), it'll be worth it. I'd rather wake up at age 50 as an insurance salesman, knowing that 20 years previous I'd tried and failed to be a professional photographer than wake up at age 50 having been an insurance salesman since my college graduation!