Hah, don't worry, I feel you. I have NOWHERE near enough money to support even 10% of the creators I want to. Up until a few years ago, I was kinda in NEET territory too.
I am spending basically everything I get from patreon on commissions so we're slowly getting art/music sorted - a fair number of character themes are custom work now, and I'm working with a number of artists for backgrounds, character art, and CGs. Reaching out to two possibilities today actually.
Not sure what the legality of free art is, especially for commercial usage - I'll check into it. We've gotten some really nice fanart over time though, so maybe?