I just wrote an article about ghostwriting fiction. In my view, ghostwriting fiction and non-fiction(blogs, web content) are two different things. I don’t hesitate to write blog content with no credit to my name. As you said, it pays the bills. I’m so thankful that I can use my skills to do so. And I still do it.
However, ghostwriting fiction was another story for me. It was a total creation from the depths of my soul. After writing about a dozen and a half fiction stories, I couldn’t do it anymore.
Good to hear of someone else’s thoughts and experiences on this subject.