I don’t sell my services. My income comes from affiliate links on some pages (e.g. for choosing a first bank). A vast majority of the content is not monetised.
I noticed a drop in traffic, despite having added a lot of valuable guides this year. The traffic per page is way down, and only for Google.
You are correct that people don’t pay for this, even when they email me and I personally assist them. There’s just an expectation that things on the internet are free and that’s fine.