I’m not underselling my talent - that’s how i can afford it. But I also know that it isn’t that special, so I basically think other people are underselling themselves, or unwilling to take the risk.
After 10 years of working as an average programmer for average companies, lots of big clients or governments will consider you for "temporary" roles, which pay very well but give no security. Maybe it takes 100 applications and interacting with recruiters but the opportunity is there.