Personal projects is a commercial photographer's concept. You spend most of your life photographing for clients approval but you need to find time to work on personal projects. If you are an amatuer or art photographer the idea of personal projects vs other projects is silly, illogical. All your photography should be personal.
That may be your view but it's certainly not mine and your absolutism and implied put-down of people who do choose to work that way is silly and illogical.