Only the "Guru" makes the money?

Okay, can I ask a simple question... who is making money from home on the web? Is it "regular folks"... or is it only "Marketing Gurus"?

1 - Is anybody making money selling info or products about something OTHER than "Internet Marketing"?

2 - Has anyone made significant income by creating a "content based theme site" and tapping into traffic to make affiliate sales?

3 - Has anyone been able to do this consistently, month after month?

It seems to me that many of the "success stories" I hear are about how "Mr X made his fortune selling his How To Market On The Internet Course"... what about Mr. Y, who has a web site about goldfish or an eBook about how to play golf? Anybody making good money with THAT kind of product?