It will take alot of time to get traffic from top tier countries. I remember a forum that earn 200k$ yearly from adsense and it took them 20 years to start earning huge amount.
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I don't advise you to take loan to increase your credit score. What if you couldn't meet up with the payment? The best way to build your credit score is to use your account for huge transactions.
Twitter can afford to pay it users without asking them to upgrade their account. They generate alot from advertiser just like adsense is paying publishers from revenue.
when you talk about new ways to make money online, you can talk about NFTs and Airdrop. These two method are trending because people see it as the new crude oil.
Life itself is a risk. It's advisable to always risk what you can afford to lose when investing online. Do not see crypto as your ticket out of poverty, instead see it as an investment.