Vocaloid as a scene is built on tons of collaborative effort. Not everyone does it all themselves. Make yourself known, start interacting with other creatives, ask about collaborating. This can mean bumming around dickswords, cold replying on Twitter, approaching people at doujin events or concerts, and far more options than I could enumerate.
PVs aren't strictly 2D animations or drawings either. There's an entire micro-trend of people making live action PVs and applying minimal filters to footage or glitching it the fuck out with datamoshing. Go take a bunch of footage around your neighborhood for free. Learn how to make procedurally generated art. Stick paper cutouts to your fingers or popscicle sticks and make them dance.
If you think you absolutely need money to accomplish a good PV like
>>10418 says you're approaching things wrong. You will not become a 10M+ views producer by starting to sprint from a dead stop.