Hmmm... As a late 50s, 160-word-per-minute touch typist, who has been using the Internet since 1994, and has a Masters degree in AI, I hope the rest of the facts in your story are more accurate.
And, if the goal is simply to make money, yes, you can be an online creator. If the goal is to bring a vision to life, through manufacturing, distribution, and adoption of a physical product, you might want to take on investors. I suppose you *could* raise millions by first going the online route, then self-investing. But that trades protection from dilution for time, potentially a long time. Some people might not want to make that trade.