The problem in general is peoples goals are simply to make a lot of money. While possible, that's not really a goal. Goals should be clear and well defined.
yes chargebacks you are right...Goal should earning money as well as improving knowledge and producing good facts to others..i think these three will produce good result...what u say
there is a lot of scope in the designing career provided you are able to prove your talent. u need to build a great portfolio of all ur work and then the right skills to showcase it.