Henry I visited your commercial web portal...
http://hiddenhousestudio.com/Your marketing paradigm of "Asking for Donations" flies in the face of conventional wisdom for shooting commercially.
Virtually all the commercial shooters I assist work by contract only!
This is also my business model... This takes negotiation; agreement and acceptance by both client and provider.
Rest assured there are many highly successful photographers in my market albeit Washington DC is vastly different than Utah...
Typically I would say "Assist other commercial shooters in your market" however at your age (84) that train has long ago left the station.
Please understand I'm only responding to this post to dispel the negative vibe latent within. There is already too much gloom and doom omnipresent from the lingering effects of the pandemic... Henry maybe find comfort in enjoying your twilight years pursuing that from which you derive pleasure.
To others reviewing this thread... The primary revenue stream in commercial photography is in portraiture... this has been true for decades...
Another stellar genre is event photography more specifically Wedding Events.
I highly recommend spending quality time on Wedding Wire to see who your competition is in your market areas.
https://www.weddingwire.com/wedding-photographersThe Lion's share of my revenue stream has been as a bridal makeup artist...
However Covid19 eliminated that until very recently...
Just last week I had to turn down a gig for October 2021.
My partner is not longer available since she had to find another field of employment.
Final thoughts: Henry have you spoken to your health care provider about your current mental state?
Sharing such a bleak prognosis of commercial photography on a public forum is red flag for clinical depression. There is much hope for the aforementioned... and entire class of drugs known as SSRI's are now widely used to counter clinical depression... And are oft prescribed for seniors who seem to be the least effected by their side effects. Again speak with your health care provider about Selective Serotonin Reuptake Inhibitors to find out if they might be appropriate for your bleak take on current realities.
Wishing you all the best on your journey Henry...