Now, because of my experience, I would say that you should consider some type of schooling. I come from a family of educators, and I grew up with the idea that some education, or some higher education (trading school, community college, whatever) is better than no education. You don't have to go to some fancy university or anything like that. Even taking online courses or something along those lines can help. That would be my own personal feelings.
There's also no shame in having a job that's not your main passion. My degree is in Engineering, even though I adore art more. But again, I am also the type of person who just doesn't want to do her passion for work. Some people are like that, and sometimes, as much as you might enjoy your job, it might come second to something else. It's ok to not be incredibly passionate about your work.
But, on the bright side, you can always go back to college if and when you're ready. I know a lot of older people in my family (many who had jobs, had children, are in their 50s, 60s) who decided that they wanted to earn that degree. They had the money or at least some of the money and they made it work. So there's no real time limit on when you should go to college.
I feel the real question you ought to ask yourself is how committed are you to both options. Are you more committed now to getting your psychology degree or are you more committed to having your art career? Which one sticks out to you the most, but also which one has a more stable path for you personally?
Just weight your options a bit more. I am glad to hear that you do have backup plans. That's always, ALWAYS, important to have.