That's a more objective vision.
But Peter certainly doesn't share that perception. Otherwise he would say, 'okay, I'll go back to make money out of my powers BUT this time I'll stop any criminal that happens to run by me.'
But no.
He's not making money out of his powers. Not in the comics nor in any cartoon or movie. Not in any incarnation. And that, in Peter's case, in part of helping other people. It is necessary, because in order to make money you have to spend your time on that, and therefore not preventing or fighting crime as much as you could do. That's why Peter can't get out of poverty. And sure, he complains about it, but hey, he doesn't quit his mission.
A stupid decision? Maybe, but it's the core of what the character is. If you want to state how stupid the character is, go ahead.
With great power comes great responsibility, and with great responsibility comes great sacrifice.