Ray
Cynical or not, I think the point is that a professional HAS to make the business pay its own way and also the keep of the photographer, his wife, his children and, perhaps, even an ex-wife or two; the richer the photog, perhaps the more of the latter.
Your buddy in the hardware store can´t have been much of a pro photographer, because had he been so, he wouldn´t have had the time to devote to anything else. Possibly, he was an "advanced" amateur?
However, his claim that he doesn´t get out of bed unless somebody wants to pay him would certainly fit some busy pros: do you really think that it stays fun doing photography when you have also to do it for real? For survival? My take on this, having had both experiences, the full-time pro and now the retired one, is that I do it now, in retired mode, because if I did NOT do it, then there would be one huge void looking for something to fill it. Life and age bring their own tribulations - believe me - you are damn lucky if you escape that; you need something to lift you out of the grind, which is NOT about financial survival but IS about staying sane in a world you see going to hell in a rickshaw.
I got into this business because of love for it; I stuck with the good and the bad, concatenated and taking their turns to come and play for no obvious cause; I paid my dues and collected the reward, but somewhere along the line it became clear that what had started as love had become its own monster with appetite greater than my own. Now, as I said, I take the devil for walkies every so often.
Ciao - Rob C