Hi - i am from the city. Your desire for 80k/yr can be achieved relatively easily if you went into private practice for yourself.
From the sounds of it, you are in the country.
Do you have any musculoskeletal experience? If not, i would get you manual skills up to scratch. Ain't going to earn good money unless you get people better.
I have the opposite experience to you it seems. The GPs send people to me even though there are physios within 300m of where they practice. Physio is usually thought of highly, esp in the community where i am where a lot of parents bring their adolescents in for rx.
You mention that your patients are skeptical about the effectiveness of physio yet as a community physio, part of your brief would be prevention - it is very hard to accurately measure prevention in a "sexy" way. It is kind of like insurance - you don't really like paying for it but boy are you glad when you need it.
As for insurance companies, they have a business to run. If they don't do it well, people will begin to shop around. A lot of my people in the community are just happy to get something back from them. They see the money they spend seeing me once or twice as being worth it because it saves them 100s in terms of lost time and productivity.
I wish my practices were bigger and busier but i have decided to keep it relatively small as a trade off for higher quality. I wil be raising my prices at my suburban practices soon to above workcover rates.
Let us know some more details - happy to share