1. To cover their hairstyle's they're not fond of. 2. As a fashion accessorize, they think they look more attractive with a hat than without. 3. They're feeling cold and need all the warmth possible. 4. They know that beanies look very cute and want to make an impression.
Find something you enjoy. Become an expert in it. And find ways to provide value to others with your skill. And you'll never have to worry about money.