Well, thanks for assumptions regarding my life experience, and my ability to judge this situation, or any other. I am not an advocate of depending solely on this industry as a means to live. Maybe if you want to live poorly, or are the exception to the general rule. As far as having balls, or a dick, or any other sexual organs, in order to make it in the world...well, that really isn't going anywhere, now is it?
I tell you what I do know is a certainty though: It doesn't matter who is better than you out there. If you are willing to outwork them, you will prevail over them.
The rest is to the guy trying to decide what to do, as far as school, or a career, or whatever it is you want to do. From what i've been able to conclude from your 2 posts is this: First, you are not certain about anything in your life right now. Second: You are easily persuaded.
I went through the same thing, and it's not easy. Please don't let negative people discourage you from persuing art and trying to make a living doing it. If it makes you happy, then you have every right to do so. I am really getting sick of people thinking they are all high and mighty, and not encouraging new artists. The economy will rebound, it always does, and there will always be reccessions, and you'll be out of work again. You just have to make the best of it.
I am hesitant to give you my opinion on a 4 year degree, because I don't want you to ponder over it too much, but I would hope it is some encouragement. I feel a 4 year degree is waste of time and money. Why? Unless you are going into a specific field which requires that degree(art doesn't, especially 3d), then you really don't have a need for it. If you want to do art, you need the talent. In the case of digital art, you are going to need a small amount of knowledge(at least compared to being a doctor). If you want to do art, and feel you have the talent, get the most knowledge you can, in the least amount of time. Some people that are doing this never even went to school, they just dedicated their time to it. If you don't think you can get a job without a 4 year degree, making good money, then you will never get a job. Have some faith in yourself.