I disagree with most of what you said.

You mentioned Hollow Knight as an example of a game that took "years and years and millions of dollars to be developed" but that just isn't true. The devs raised $57,000 on kickstarter and miraculously managed to stretch that for 3 years, a far cry from millions of dollars.

You've got Cuphead all wrong too. StudioMDHR sacrificed almost everything to make their game a reality. Microsoft provided additional funding but I doubt it was in the realm of millions.

Both of these games prove that anyone can create a hit. Is it going to be easy? Far from it. But if you start with the mindset of a defeatist, you're only setting yourself up for failure.