There are different aspects to your situation to be considered, but some of these vary from country to country. There is the question of being able to earn enough to survive, even though there are people who survive throughout their lives without earning anything. Then there is the matter of your own preferences. One needs to have a realistic outlook or alternatively be willing to accept whatever life produces by way of events, circumstances, etc.
The main, perhaps the only, justification for formal assessment of people is to give prospective employers the opportunity to understand the applicant's strengths. Put yourself in the position of someone going through a large pile of applications - the easiest way to screen out some and reduce the choice is to set a criterion. In the overwhelming number of cases that will be on the basis of educational attainment, certificates. It was, among other things, the recognition of this that a worldwide push was made to put a maximum number of people through a system of examinations of some sort.
Around 50 years ago a degree would more or less guarantee access to the best jobs - that has now changed in large areas of the world. The reasons are complicated but broadly it has been said to be to do with a confusing variety of certificates (disciplines and titles), what they stand for (quality of education) and the sheer number of "certified" people among the population. There are by now plenty of cases where new thoughts regarding education have surfaced, such as the concept of someone having had too much of it. There is now unlikely to be any guarantee of employment at all times into old age, the current jobs market is too complex and too unpredictable. Two things come closest to perpetual certainty of work and they are, if in some way you work directly for a government (local or national) or else if you have a particular talent or ability in some field which continues to be strongly relevant as long as you live.
On the whole I would agree with what has already been said. It is worth getting a qualification unless it is going to be a torture to try, your chances of completing the course are uncertain, or the qualification is of doubtful usefulness (masters in hairdressing ?). Switching careers is becoming increasingly common and is no longer a source for mistrust or criticism.
If you think it is at least possible that you will become responsible for running a household with others (house, wife, children, the full catastrophe) then you need to think carefully about what that implies. The simple fact is that discovering later in life that you would like to (or perhaps even need to) have a qualification of some sort, then (based on millions of past examples) the likelihood of realistically being able to put the rest of life on pause and becoming a student again, and making a success of it, are quite slim. In practical terms it will be too late.
There will always be a need for people to do manual labour, absolutely without any certificated qualifications (until some "college" decides to issue such a thing). The labourer is not even responsible for his tools - quite a few would envy that freedom. The downside is that job security is very low as are the income prospects. Yes, there will always be a need for plumbers - but unless you are quite confident that this is what you want to do long term then you should be looking more broadly and choosing some form of education, that is simply the way the world ticks.
The choice is surely yours but please make it carefully.