I think you have too much "idea" and expectation in your life. You should first define your "goal" & "success" definition in your life. It's not necessary to be rich, it could be stable life with moderate income but least stress.

Here are some tips for ya:

1. Audit - If you don't like long or random working hour, then you could try this for at least 2 years to boost up your experience value (and also easier to get into internal audit)

2. Commercial - Low salary? Finance director could hit 15k salary, finance manager easily 8k. These are all commercial accounts.

3. Internal Audit - How does job security is a concern? You're utilising your "profession" knowledge to audit the company, you can easily head back to commercial line.

4. IT Audit - You're thinking too much, VB programming skill in Excel is good enough to bring you to IT Audit head.

5. No comments

6. Threat - Even with crypto, organisation is still doing their own field. Proper documentation such as bills and etc still required manpower. Adding Malaysia is growing slowly, expect 20~30 years for full AI production system.

7. More qualification = more competitiveness and bargaining power.

Lastly, refer to the first paragraph, get it sort out and try the jobs before making any conclusion by your own.