I don't think anyone can predict or not predict a future in music for you. Your age is a liability, certainly. If you decide to go for more formal music training, that's more years lost and the cutoff age for the important competitions would be looming for you. Without winning a few, the chance of getting an artist's rep to get you important gigs (i.e. those that pay enough to provide you with a modest living) is, well, nil.
Your admission to being competitive, yet lazy, is a strange one. Worrisome, too, is your resistance to buckling down and practicing. That's all pianists do, you know. It's necessary to build and maintain repertoire unless, like Barenboim and a few select others, you have a photographic memory and your status as an artist is so great, you can afford to give sloppy recitals that offer hints of a better time when you actually did practice and played flawlessly.
However, if you want to continue training to prepare for a college teaching post, that is quite possible. You'd need a doctorate these days. The competition for piano faculty posts is intense, the pay miserable, and you'd not have a choice where you'd like to teach: you would have to apply to any openings that exist anywhere, and usually ones for new entries to the market are in places like East Cupcake, Nebraska. Which is not NYC. And the school where you get your doctorate should be one of the best. Those candidates get the jobs first.
Wall Street? That's not so easy to enter either. You'd need an MBA and a willingness to work 80-100 hour weeks. It would also help to have a killer instinct and a disregard for the law. On Wall Street, too, you wouldn't have a real personal life until you could walk away with a huge retirement bonus. By that time, maybe in your late forties, you'd have a alcohol problem and a cocaine problem, too, from self-medicating to tolerate the endless hours of pressure and abuse you receive from your managers who will fire you at the first false step or screw-up.
I think you need to talk with a mental health professional about your career goals for a reality check. That should be your first step.