There’s plenty of people to whom they are not mutually exclusive. Besides maybe someone earns much more than that performing whatever job and finds this relaxing in comparison.
If you only care to be a “space trucker” nothing else you can also do courier missions / do lower volume / shorter distance deliveries only for players.
Either case there are ways to reduce risks and yes as with any other profession / playstyle these take effort and time so only you can know if it’s worth to you or if you’d rather do something else and if there’s anything else you can do that provides fun gameplay or being the space delivery person is the only thing that interests you in EVE.
To answer the question in the title (with a usual EVE answer at that): It depends.
If you do your best and like the playstyle probably will worth it even financially but probably won’t make you rich. If you’d do it primarily for the ISK and less so for the experience (but still prefer this activity) then probably you won’t be satisfied too much.