Why are so many smart people underearners?

I'm not talking about over-spending or getting into debt. I'm talking about undervaluing your work and leaving money on the table. This has been on my mind for several years because so many people claim they can't afford to hire me. Nearly every person who inquires about my services shows me they are underearners. I know they are not just being cheap. When I ask people why they don't earn enough to pay their bills or invest in themselves, these are some of the answers I receive....

1. I don't deserve to earn that much.
2. It's not Christian to charge for my services.
3. My family/siblings/parents/spouse would be upset if earned more money.
4. I don't want to have to pay tax on higher earnings.
5. I'm not willing to change how I operate my business.
6. I've paid for and followed all the advice in the branding and Internet marketing books and I lost money.
7. I turned my business into a nonprofit so I can't make a profit.
8. I don't know how.

I'm stupefied by how smart people deliberately diminish their earning power... and then expect people like me to do the same on their behalf! I'd love to help them all... but I'd expect to be paid!

I've been thinking that perhaps I should go into practice as a coach helping people make more income, but then I realize that's pretty much what I've been doing for 30 years.... and few people are willing to pay me for my help!

What do you think?

Do you have an interest in earning more, moving from financial crisis to financial comfort?

Would you take an online class to learn how to generate more money doing what you love?

Why or why not? How much would you be willing to pay to attend?

Would you really do the work to change your earning capacity?

What's your biggest money problem?

I'll post the top ten money problems here with no names or identities.