2) Infrastructure. Not only gear (camera/lenses/lighting) and some studio space (yours or rented) which is a given, but a network of freelance PAs, camera assistants, prop-masters, location scouts, stylists, hair & Wardrobe people, producers, etc.
Pricing is dependent on #1 and 2 above. If you are talented and innovate new ideas you will make money, if you are like everyone else in your market you will not ... unless you want to sell photography by the bushel-basket at pennies on the pound and do all the labor yourself (see reality below)
As to your reality:
If you are to sick or crippled, get others to worry for you and to lug everything all over the place. It ain't the Generals out on the battlefield doing the slogging and dying.
Yep. I have a heart condition, a deformed knee that should have been replaced a decade ago, and a herniated disk that has me walking like Igor ... and have a paying portrait session tomorrow AM on my property ... a beefy boy will do the hauling and set up where I tell him, and be happy to be making any extra cash to feed his family. I'll frame the shot and pressed the shutter button ... then go back to my director's chair with umbrella and holder for my Starbucks
You do what you have to and just keep going.
Best of luck, (which is also part of the mix BTW).