Let me be clear in stating that I understand that not everyone can dedicate this much time to chess. I choose to give a significant portion of my time to chess, which comes as a result of not watching too much TV combined with the fact that I am fortunate in that I can get away with only five or six hours of sleep per night.
So I understand that not everyone has this same luxury. Having said that, anyone who wants to improve can find the time. You might have to give up some other things in your life, but that's the choice that you make. If you want it, you do it. If not, then that's OK too...
Other than that I believe that you are 100% correct, and that is why I work extremely hard on chess. I fully intend to make 2200.
I'm getting curious.
How many hours do you study chess per week ?
What's the content of your chess study ?
What time schedule you have in mind till 2200 rated ?
I study as few as 10 and as many as 25 hours in a week depending on my mood, schedule, etc.
The content varies depending on what I feel needs work. So it may inlude working on specific openings since I recently retooled my repertoire, working on endings which I have been doing a lot, analyzing my own games, and playing over annotated GM games. I also work on tactics daily, although I feel that lately I have not been doing so enough.
Using these methods I have gained 300 points in three years and my rating is now 1800 (USCF). I am now 40 years old so I know that you can improve greatly as an adult.
I write a daily blog about what I do to improve here: http://www.chessiq.com/blog/ and in addition, those in the US who subscribe to Chess Life can see my feature article in the January issue starting on page 28.
My plan from here to 2200 is to just keep doing the same thing. To keep working on my own games, tactics, endings, some opening work, etc. I will play over thousands of games over the next few years. I play over perhaps 800-1000 annotated games per year as is...I believe they help me as much if not more than anything else.
As far as I can tell there is no secret to getting better at chess. The answer is just to work hard and to make sure to stick with it. I base this not only from my own experience, but also from talking to many strong players who have all told me pretty much the same.
I have had serious conversations about improving with a dozen or so masters, along with a handful of FM's/IM's/GM's in the three years since I started playing chess again and they have all pretty much told me that the "secret" is hard work as well.