The Wall is in that sense one of the five most influential albums ever made. (Or Piper at the Gates of Dawn is, White Light/White Heat, Pet Sounds, or etc.) Depends how far back you want to go, how loosely you want to define "concept albums" and story albums. It would make a great masters thesis or something if I was majoring in what I enjoyed, which I'm not, so fuck me.
Learning to write can help develop what is there. Some people have (much) more capacity than others. Taking time to develop that strength can be worthwhile, especially if one has the capacity. Talent can be similar to intelligence in many ways, in that a person may do well with their natural capacity, but if no steps are taken to explore the limits of their talent or intelligence, a given person may find that others of lower natural capacity have surpassed them.
I read your other comment about NY. Maybe you can use finance to pursue a different goal? Working solely for the money doesn't appeal me at all, but if you can make some nice cash, you could work less hours and spend those pursuing other goals. A stable income is worth a lot in these times of massive youth unemployment. And I won't tell her! Goals can be reached from multiple ways, with or without education.